Call reports 2009
GARDEN CITY STATE BANK — 2009
What GARDEN CITY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 54,966,000 | 56,548,000 | 57,702,000 | 58,467,000 |
| Total loans | 45,777,000 | 48,619,000 | 50,124,000 | 50,160,000 |
| Allowance for loan losses | 812,000 | 890,000 | 933,000 | 952,000 |
| Securities available for sale | 1,992,000 | 2,653,000 | 2,797,000 | 2,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,199,000 | 46,803,000 | 47,156,000 | 48,470,000 |
| Interest-bearing deposits | 37,891,000 | 39,187,000 | 39,741,000 | 40,807,000 |
| Noninterest-bearing deposits | 7,308,000 | 7,616,000 | 7,415,000 | 7,663,000 |
| Equity capital | 6,680,000 | 6,713,000 | 7,027,000 | 7,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 804,000 | 1,649,000 | 2,519,000 | 3,399,000 |
| Interest expense | 269,000 | 507,000 | 728,000 | 927,000 |
| Net interest income | 535,000 | 1,142,000 | 1,791,000 | 2,472,000 |
| Noninterest income | 157,000 | 153,000 | 300,000 | 409,000 |
| Noninterest expense | 428,000 | 883,000 | 1,373,000 | 1,981,000 |
| Provision for loan losses | 115,000 | 185,000 | 225,000 | 240,000 |
| Pretax income | 246,000 | 326,000 | 592,000 | 759,000 |
| Income tax | 0 | 0 | 0 | 15,000 |
| Net income | 246,000 | 326,000 | 592,000 | 744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,666,000 | 6,740,000 | 7,007,000 | 7,159,000 |
| Total capital | 7,299,000 | 7,392,000 | 7,678,000 | 7,833,000 |
| Risk-weighted assets | 50,473,000 | 51,902,000 | 53,378,000 | 53,613,000 |
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