Call reports 2005
GARDEN CITY STATE BANK — 2005
What GARDEN CITY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 47,356,000 | 53,074,000 | 50,363,000 | 55,571,000 |
| Total loans | 42,222,000 | 42,860,000 | 41,440,000 | 42,250,000 |
| Allowance for loan losses | 709,000 | 744,000 | 782,000 | 809,000 |
| Securities available for sale | 1,781,000 | 2,551,000 | 3,527,000 | 4,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,155,000 | 46,259,000 | 44,421,000 | 49,504,000 |
| Interest-bearing deposits | 37,910,000 | 41,439,000 | 39,963,000 | 44,917,000 |
| Noninterest-bearing deposits | 4,245,000 | 4,820,000 | 4,458,000 | 4,587,000 |
| Equity capital | 4,681,000 | 4,846,000 | 4,978,000 | 5,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 773,000 | 1,608,000 | 2,494,000 | 3,394,000 |
| Interest expense | 240,000 | 531,000 | 854,000 | 1,187,000 |
| Net interest income | 533,000 | 1,077,000 | 1,640,000 | 2,207,000 |
| Noninterest income | 93,000 | 189,000 | 288,000 | 413,000 |
| Noninterest expense | 345,000 | 714,000 | 1,157,000 | 1,630,000 |
| Provision for loan losses | 75,000 | 146,000 | 203,000 | 212,000 |
| Pretax income | 206,000 | 406,000 | 568,000 | 778,000 |
| Income tax | 6,000 | 15,000 | 21,000 | 35,000 |
| Net income | 200,000 | 391,000 | 547,000 | 743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,718,000 | 4,864,000 | 5,020,000 | 5,216,000 |
| Total capital | 5,278,000 | 5,440,000 | 5,588,000 | 5,803,000 |
| Risk-weighted assets | 44,646,000 | 45,920,000 | 45,221,000 | 46,733,000 |
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