Call reports 2003
GOLF SAVINGS BANK — 2003
What GOLF SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 168,661,000 | 185,529,000 | 155,619,000 | 168,443,000 |
| Total loans | 161,595,000 | 178,143,000 | 147,107,000 | 159,419,000 |
| Allowance for loan losses | 795,000 | 855,000 | 970,000 | 1,061,000 |
| Securities available for sale | 0 | 0 | 0 | 465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,472,000 | 139,290,000 | 118,204,000 | 128,091,000 |
| Interest-bearing deposits | 107,913,000 | 114,183,000 | 102,975,000 | 115,326,000 |
| Noninterest-bearing deposits | 22,559,000 | 25,107,000 | 15,229,000 | 12,765,000 |
| Equity capital | 22,093,000 | 24,041,000 | 24,968,000 | 25,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,051,000 | 6,263,000 | 9,375,000 | 12,776,000 |
| Interest expense | 803,000 | 1,564,000 | 2,172,000 | 2,732,000 |
| Net interest income | 2,248,000 | 4,699,000 | 7,203,000 | 10,044,000 |
| Noninterest income | 7,373,000 | 16,153,000 | 24,564,000 | 29,437,000 |
| Noninterest expense | 6,415,000 | 14,452,000 | 22,321,000 | 28,348,000 |
| Provision for loan losses | 10,000 | 188,000 | 303,000 | 404,000 |
| Pretax income | 3,196,000 | 6,212,000 | 9,143,000 | 10,729,000 |
| Income tax | 1,075,000 | 2,099,000 | 3,116,000 | 3,659,000 |
| Net income | 2,121,000 | 4,113,000 | 6,027,000 | 7,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,093,000 | 24,041,000 | 24,968,000 | 25,968,000 |
| Total capital | 22,888,000 | 24,896,000 | 25,938,000 | 27,029,000 |
| Risk-weighted assets | 139,157,000 | 148,422,000 | 136,430,000 | 154,924,000 |