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 | 68,816,000 | 74,884,000 | 96,291,000 | 99,839,000 |
| Total loans | 42,168,000 | 53,792,000 | 55,278,000 | 63,468,000 |
| Allowance for loan losses | 415,000 | 509,000 | 610,000 | 704,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 249,000 | 498,000 | 249,000 | 249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,656,000 | 64,590,000 | 76,328,000 | 79,518,000 |
| Interest-bearing deposits | 46,661,000 | 51,842,000 | 65,461,000 | 66,695,000 |
| Noninterest-bearing deposits | 11,995,000 | 12,748,000 | 10,867,000 | 12,824,000 |
| Equity capital | 10,053,000 | 10,154,000 | 19,811,000 | 20,147,000 |
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 | 875,000 | 1,973,000 | 3,414,000 | 5,162,000 |
| Interest expense | 263,000 | 593,000 | 1,056,000 | 1,616,000 |
| Net interest income | 612,000 | 1,380,000 | 2,358,000 | 3,546,000 |
| Noninterest income | 5,000 | 13,000 | 26,000 | 37,000 |
| Noninterest expense | 523,000 | 1,104,000 | 1,826,000 | 2,694,000 |
| Provision for loan losses | 73,000 | 167,000 | 268,000 | 362,000 |
| Pretax income | 21,000 | 122,000 | 290,000 | 527,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 21,000 | 122,000 | 289,000 | 526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,053,000 | 10,154,000 | 19,811,000 | 20,147,000 |
| Total capital | 10,493,000 | 10,689,000 | 20,421,000 | 20,884,000 |
| Risk-weighted assets | 50,393,000 | 61,903,000 | 68,603,000 | 74,848,000 |