Call reports 2007
GARDEN CITY STATE BANK — 2007
What GARDEN CITY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 58,600,000 | 57,400,000 | 60,142,000 | 58,877,000 |
| Total loans | 46,907,000 | 45,945,000 | 48,180,000 | 48,506,000 |
| Allowance for loan losses | 1,008,000 | 1,041,000 | 1,044,000 | 1,021,000 |
| Securities available for sale | 5,593,000 | 5,580,000 | 5,624,000 | 4,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,579,000 | 50,510,000 | 50,415,000 | 50,395,000 |
| Interest-bearing deposits | 45,001,000 | 44,421,000 | 41,985,000 | 43,425,000 |
| Noninterest-bearing deposits | 6,578,000 | 6,089,000 | 8,430,000 | 6,970,000 |
| Equity capital | 5,987,000 | 6,213,000 | 6,565,000 | 6,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,132,000 | 2,285,000 | 3,439,000 | 4,615,000 |
| Interest expense | 478,000 | 960,000 | 1,430,000 | 1,922,000 |
| Net interest income | 654,000 | 1,325,000 | 2,009,000 | 2,693,000 |
| Noninterest income | 132,000 | 227,000 | 325,000 | 435,000 |
| Noninterest expense | 445,000 | 922,000 | 1,381,000 | 1,886,000 |
| Provision for loan losses | 16,000 | 51,000 | 51,000 | 51,000 |
| Pretax income | 325,000 | 579,000 | 902,000 | 1,191,000 |
| Income tax | 16,000 | 31,000 | 47,000 | 59,000 |
| Net income | 309,000 | 548,000 | 855,000 | 1,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,031,000 | 6,269,000 | 6,577,000 | 6,854,000 |
| Total capital | 6,667,000 | 6,895,000 | 7,231,000 | 7,504,000 |
| Risk-weighted assets | 50,546,000 | 49,657,000 | 51,898,000 | 51,638,000 |
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