Call reports 2005
GOLDEN STATE BANK — 2005
What GOLDEN STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 26,363,000 | 26,726,000 | 25,561,000 | 25,628,000 |
| Total loans | 14,132,000 | 14,280,000 | 13,672,000 | 13,480,000 |
| Allowance for loan losses | 107,000 | 107,000 | 109,000 | 109,000 |
| Securities available for sale | 10,059,000 | 10,201,000 | 9,621,000 | 9,819,000 |
| Securities held to maturity | 849,000 | 787,000 | 732,000 | 681,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,910,000 | 22,956,000 | 22,580,000 | 22,687,000 |
| Interest-bearing deposits | 20,602,000 | 20,529,000 | 19,900,000 | 18,693,000 |
| Noninterest-bearing deposits | 3,308,000 | 2,427,000 | 2,680,000 | 3,994,000 |
| Equity capital | 1,890,000 | 1,986,000 | 2,005,000 | 1,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 324,000 | 654,000 | 988,000 | 1,317,000 |
| Interest expense | 103,000 | 219,000 | 342,000 | 466,000 |
| Net interest income | 221,000 | 435,000 | 646,000 | 851,000 |
| Noninterest income | 17,000 | 32,000 | 48,000 | 69,000 |
| Noninterest expense | 125,000 | 246,000 | 383,000 | 502,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 113,000 | 221,000 | 311,000 | 418,000 |
| Income tax | 39,000 | 77,000 | 108,000 | 144,000 |
| Net income | 74,000 | 144,000 | 203,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,923,000 | 1,984,000 | 2,005,000 | 1,896,000 |
| Total capital | 2,030,000 | 2,091,000 | 2,114,000 | 2,005,000 |
| Risk-weighted assets | 16,816,000 | 17,053,000 | 16,490,000 | 16,433,000 |