Call reports 2008
GOLDEN STATE BANK — 2008
What GOLDEN STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 152,351,000 | 161,434,000 | 166,814,000 | 163,154,000 |
| Total loans | 141,388,000 | 146,256,000 | 146,203,000 | 137,173,000 |
| Allowance for loan losses | 2,247,000 | 2,679,000 | 2,341,000 | 2,746,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,797,000 | 128,211,000 | 129,677,000 | 129,034,000 |
| Interest-bearing deposits | 104,677,000 | 105,407,000 | 105,981,000 | 110,944,000 |
| Noninterest-bearing deposits | 20,120,000 | 22,804,000 | 23,696,000 | 18,090,000 |
| Equity capital | 22,136,000 | 21,768,000 | 20,071,000 | 16,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,678,000 | 5,001,000 | 7,337,000 | 9,505,000 |
| Interest expense | 1,010,000 | 1,914,000 | 2,808,000 | 3,796,000 |
| Net interest income | 1,668,000 | 3,087,000 | 4,529,000 | 5,709,000 |
| Noninterest income | 46,000 | 110,000 | 174,000 | -824,000 |
| Noninterest expense | 1,442,000 | 2,917,000 | 5,013,000 | 6,743,000 |
| Provision for loan losses | 108,000 | 650,000 | 3,288,000 | 3,779,000 |
| Pretax income | 164,000 | -370,000 | -3,598,000 | -5,637,000 |
| Income tax | 83,000 | -58,000 | -1,572,000 | -304,000 |
| Net income | 81,000 | -312,000 | -2,026,000 | -5,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,136,000 | 21,768,000 | 20,071,000 | 16,764,000 |
| Total capital | 24,038,000 | 23,618,000 | 22,093,000 | 18,652,000 |
| Risk-weighted assets | 151,728,000 | 156,523,000 | 161,382,000 | 150,124,000 |