Call reports 2012
GARDEN CITY STATE BANK — 2012
What GARDEN CITY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Total assets | 69,298,000 | 69,408,000 | 70,839,000 |
| Total loans | 54,656,000 | 56,315,000 | 57,125,000 |
| Allowance for loan losses | 1,019,000 | 1,073,000 | 1,121,000 |
| Securities available for sale | 3,136,000 | 3,020,000 | 2,777,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 60,234,000 | 59,827,000 | 60,800,000 |
| Interest-bearing deposits | 49,252,000 | 48,864,000 | 50,089,000 |
| Noninterest-bearing deposits | 10,982,000 | 10,963,000 | 10,711,000 |
| Equity capital | 8,399,000 | 8,911,000 | 9,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Interest income | 969,000 | 1,939,000 | 2,926,000 |
| Interest expense | 135,000 | 263,000 | 388,000 |
| Net interest income | 834,000 | 1,676,000 | 2,538,000 |
| Noninterest income | 155,000 | 322,000 | 515,000 |
| Noninterest expense | 538,000 | 1,039,000 | 1,572,000 |
| Provision for loan losses | 57,000 | 57,000 | 57,000 |
| Pretax income | 394,000 | 902,000 | 1,424,000 |
| Income tax | 13,000 | 35,000 | 50,000 |
| Net income | 381,000 | 867,000 | 1,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Tier 1 capital | 8,290,000 | 8,776,000 | 9,158,000 |
| Total capital | 9,017,000 | 9,521,000 | 9,913,000 |
| Risk-weighted assets | 57,860,000 | 59,262,000 | 60,056,000 |