Call reports 2004
GOLDEN STATE BANK — 2004
What GOLDEN STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 25,400,000 | 26,327,000 | 26,549,000 | 26,330,000 |
| Total loans | 12,395,000 | 13,676,000 | 14,179,000 | 14,339,000 |
| Allowance for loan losses | 102,000 | 102,000 | 103,000 | 108,000 |
| Securities available for sale | 9,229,000 | 10,294,000 | 9,952,000 | 9,218,000 |
| Securities held to maturity | 1,178,000 | 1,049,000 | 982,000 | 920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,172,000 | 23,642,000 | 22,822,000 | 24,088,000 |
| Interest-bearing deposits | 20,258,000 | 20,784,000 | 20,133,000 | 20,441,000 |
| Noninterest-bearing deposits | 2,914,000 | 2,858,000 | 2,689,000 | 3,647,000 |
| Equity capital | 2,057,000 | 1,974,000 | 2,129,000 | 2,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 287,000 | 577,000 | 888,000 | 1,193,000 |
| Interest expense | 99,000 | 199,000 | 303,000 | 402,000 |
| Net interest income | 188,000 | 378,000 | 585,000 | 791,000 |
| Noninterest income | 19,000 | 39,000 | 58,000 | 76,000 |
| Noninterest expense | 121,000 | 242,000 | 376,000 | 502,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 86,000 | 175,000 | 267,000 | 360,000 |
| Income tax | 28,000 | 56,000 | 87,000 | 116,000 |
| Net income | 58,000 | 119,000 | 180,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,939,000 | 1,994,000 | 2,050,000 | 2,108,000 |
| Total capital | 2,041,000 | 2,096,000 | 2,153,000 | 2,216,000 |
| Risk-weighted assets | 14,065,000 | 16,853,000 | 17,225,000 | 16,895,000 |