Call reports 2006
GARDEN CITY STATE BANK — 2006
What GARDEN CITY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 53,367,000 | 54,927,000 | 57,623,000 | 57,341,000 |
| Total loans | 44,298,000 | 44,984,000 | 46,490,000 | 46,758,000 |
| Allowance for loan losses | 854,000 | 916,000 | 995,000 | 1,000,000 |
| Securities available for sale | 4,946,000 | 4,914,000 | 5,063,000 | 5,332,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,027,000 | 48,202,000 | 50,462,000 | 50,175,000 |
| Interest-bearing deposits | 41,998,000 | 42,474,000 | 44,708,000 | 43,068,000 |
| Noninterest-bearing deposits | 5,029,000 | 5,728,000 | 5,754,000 | 7,107,000 |
| Equity capital | 5,262,000 | 5,429,000 | 5,856,000 | 6,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 937,000 | 1,958,000 | 3,045,000 | 4,187,000 |
| Interest expense | 335,000 | 698,000 | 1,138,000 | 1,605,000 |
| Net interest income | 602,000 | 1,260,000 | 1,907,000 | 2,582,000 |
| Noninterest income | 171,000 | 279,000 | 523,000 | 632,000 |
| Noninterest expense | 400,000 | 866,000 | 1,281,000 | 1,805,000 |
| Provision for loan losses | 45,000 | 135,000 | 215,000 | 215,000 |
| Pretax income | 328,000 | 538,000 | 934,000 | 1,194,000 |
| Income tax | 14,000 | 21,000 | 39,000 | 54,000 |
| Net income | 314,000 | 517,000 | 895,000 | 1,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,349,000 | 5,551,000 | 5,930,000 | 6,174,000 |
| Total capital | 5,945,000 | 6,155,000 | 6,562,000 | 6,809,000 |
| Risk-weighted assets | 47,436,000 | 48,046,000 | 50,229,000 | 50,423,000 |
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