Call reports 2005
GOLF SAVINGS BANK — 2005
What GOLF SAVINGS 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 | 336,900,000 | 412,129,000 | 435,651,000 | 471,715,000 |
| Total loans | 325,375,000 | 402,393,000 | 421,432,000 | 449,007,000 |
| Allowance for loan losses | 2,171,000 | 2,377,000 | 2,681,000 | 2,911,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,676,000 | 353,016,000 | 382,848,000 | 418,848,000 |
| Interest-bearing deposits | 276,138,000 | 329,224,000 | 361,460,000 | 404,234,000 |
| Noninterest-bearing deposits | 18,538,000 | 23,793,000 | 21,388,000 | 14,614,000 |
| Equity capital | 29,724,000 | 41,975,000 | 44,514,000 | 47,324,000 |
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 | 6,016,000 | 13,642,000 | 22,932,000 | 33,214,000 |
| Interest expense | 1,729,000 | 4,154,000 | 7,399,000 | 10,963,000 |
| Net interest income | 4,287,000 | 9,488,000 | 15,533,000 | 22,251,000 |
| Noninterest income | 5,297,000 | 12,227,000 | 20,344,000 | 27,020,000 |
| Noninterest expense | 6,666,000 | 14,912,000 | 24,435,000 | 33,971,000 |
| Provision for loan losses | 180,000 | 386,000 | 690,000 | 933,000 |
| Pretax income | 2,738,000 | 6,417,000 | 10,752,000 | 14,367,000 |
| Income tax | 732,000 | 2,012,000 | 3,514,000 | 4,755,000 |
| Net income | 2,006,000 | 4,405,000 | 7,238,000 | 9,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,724,000 | 41,975,000 | 44,514,000 | 47,324,000 |
| Total capital | 31,895,000 | 44,352,000 | 47,195,000 | 50,235,000 |
| Risk-weighted assets | 315,613,000 | 378,392,000 | 402,668,000 | 435,648,000 |