Call reports 2004
GOLF SAVINGS BANK — 2004
What GOLF SAVINGS 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 | 199,892,000 | 211,938,000 | 243,895,000 | 270,936,000 |
| Total loans | 190,745,000 | 201,761,000 | 231,293,000 | 262,293,000 |
| Allowance for loan losses | 1,075,000 | 1,096,000 | 1,276,000 | 1,981,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,888,000 | 171,751,000 | 210,565,000 | 235,303,000 |
| Interest-bearing deposits | 132,971,000 | 158,153,000 | 194,184,000 | 220,875,000 |
| Noninterest-bearing deposits | 25,917,000 | 13,598,000 | 16,381,000 | 14,428,000 |
| Equity capital | 27,936,000 | 27,613,000 | 29,586,000 | 30,835,000 |
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 | 3,233,000 | 7,052,000 | 11,623,000 | 16,747,000 |
| Interest expense | 607,000 | 1,323,000 | 2,328,000 | 3,609,000 |
| Net interest income | 2,626,000 | 5,729,000 | 9,295,000 | 13,138,000 |
| Noninterest income | 4,555,000 | 10,846,000 | 16,102,000 | 21,993,000 |
| Noninterest expense | 5,485,000 | 12,106,000 | 18,522,000 | 25,451,000 |
| Provision for loan losses | 15,000 | 67,000 | 247,000 | 952,000 |
| Pretax income | 1,681,000 | 4,402,000 | 6,628,000 | 8,728,000 |
| Income tax | 579,000 | 1,523,000 | 1,690,000 | 2,421,000 |
| Net income | 1,102,000 | 2,879,000 | 4,938,000 | 6,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,936,000 | 27,613,000 | 29,586,000 | 30,835,000 |
| Total capital | 29,011,000 | 28,709,000 | 30,862,000 | 32,816,000 |
| Risk-weighted assets | 178,412,000 | 196,315,000 | 234,326,000 | 275,033,000 |