Call reports 2010
GARDEN CITY STATE BANK — 2010
What GARDEN CITY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 59,609,000 | 60,194,000 | 60,461,000 | 61,381,000 |
| Total loans | 51,087,000 | 51,880,000 | 53,018,000 | 53,456,000 |
| Allowance for loan losses | 1,043,000 | 1,104,000 | 1,188,000 | 1,170,000 |
| Securities available for sale | 2,725,000 | 2,735,000 | 2,502,000 | 2,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,560,000 | 49,790,000 | 50,689,000 | 50,348,000 |
| Interest-bearing deposits | 42,168,000 | 41,495,000 | 43,061,000 | 42,299,000 |
| Noninterest-bearing deposits | 7,392,000 | 8,295,000 | 7,628,000 | 8,049,000 |
| Equity capital | 7,188,000 | 7,476,000 | 7,846,000 | 8,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 884,000 | 1,775,000 | 2,692,000 | 3,633,000 |
| Interest expense | 175,000 | 350,000 | 522,000 | 678,000 |
| Net interest income | 709,000 | 1,425,000 | 2,170,000 | 2,955,000 |
| Noninterest income | 198,000 | 341,000 | 498,000 | 704,000 |
| Noninterest expense | 451,000 | 963,000 | 1,438,000 | 2,050,000 |
| Provision for loan losses | 60,000 | 118,000 | 200,000 | 295,000 |
| Pretax income | 402,000 | 691,000 | 1,036,000 | 1,320,000 |
| Income tax | 9,000 | 21,000 | 32,000 | 42,000 |
| Net income | 393,000 | 670,000 | 1,004,000 | 1,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,162,000 | 7,439,000 | 7,774,000 | 8,048,000 |
| Total capital | 7,849,000 | 8,125,000 | 8,474,000 | 8,753,000 |
| Risk-weighted assets | 54,630,000 | 54,494,000 | 55,505,000 | 55,915,000 |