Call reports 2004
GARDEN CITY STATE BANK — 2004
What GARDEN CITY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 39,413,000 | 41,023,000 | 44,480,000 | 46,763,000 |
| Total loans | 32,680,000 | 35,132,000 | 38,589,000 | 39,727,000 |
| Allowance for loan losses | 553,000 | 532,000 | 659,000 | 633,000 |
| Securities available for sale | 1,847,000 | 1,789,000 | 1,825,000 | 1,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,718,000 | 34,969,000 | 38,920,000 | 41,374,000 |
| Interest-bearing deposits | 30,889,000 | 31,175,000 | 34,750,000 | 37,591,000 |
| Noninterest-bearing deposits | 3,829,000 | 3,794,000 | 4,170,000 | 3,783,000 |
| Equity capital | 4,167,000 | 4,247,000 | 4,410,000 | 4,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 651,000 | 1,287,000 | 1,994,000 | 2,745,000 |
| Interest expense | 172,000 | 338,000 | 533,000 | 761,000 |
| Net interest income | 479,000 | 949,000 | 1,461,000 | 1,984,000 |
| Noninterest income | 84,000 | 184,000 | 284,000 | 377,000 |
| Noninterest expense | 357,000 | 721,000 | 1,068,000 | 1,539,000 |
| Provision for loan losses | 75,000 | 145,000 | 280,000 | 301,000 |
| Pretax income | 131,000 | 267,000 | 397,000 | 521,000 |
| Income tax | 2,000 | 2,000 | 5,000 | 14,000 |
| Net income | 129,000 | 265,000 | 392,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,140,000 | 4,276,000 | 4,403,000 | 4,518,000 |
| Total capital | 4,600,000 | 4,764,000 | 4,932,000 | 5,065,000 |
| Risk-weighted assets | 36,687,000 | 39,005,000 | 42,214,000 | 43,652,000 |
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