Call reports 2006
GOLF SAVINGS BANK — 2006
What GOLF SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 490,650,000 | 504,523,000 | 341,005,000 | 309,113,000 |
| Total loans | 460,834,000 | 493,454,000 | 235,614,000 | 232,214,000 |
| Allowance for loan losses | 3,211,000 | 4,551,000 | 1,035,000 | 1,036,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 434,683,000 | 447,928,000 | 285,882,000 | 254,832,000 |
| Interest-bearing deposits | 415,188,000 | 419,213,000 | 277,428,000 | 246,581,000 |
| Noninterest-bearing deposits | 19,495,000 | 28,715,000 | 8,454,000 | 8,251,000 |
| Equity capital | 49,911,000 | 52,288,000 | 51,136,000 | 50,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,799,000 | 23,320,000 | 7,379,000 | 13,785,000 |
| Interest expense | 3,994,000 | 8,653,000 | 3,885,000 | 7,153,000 |
| Net interest income | 6,805,000 | 14,667,000 | 3,494,000 | 6,632,000 |
| Noninterest income | 5,593,000 | 12,271,000 | 3,185,000 | 8,286,000 |
| Noninterest expense | 7,589,000 | 16,522,000 | 8,349,000 | 17,350,000 |
| Provision for loan losses | 300,000 | 1,642,000 | 45,000 | 90,000 |
| Pretax income | 4,509,000 | 8,774,000 | -1,715,000 | -2,522,000 |
| Income tax | 1,586,000 | 3,105,000 | -634,000 | -932,000 |
| Net income | 2,923,000 | 5,669,000 | -1,081,000 | -1,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,911,000 | 52,288,000 | 19,918,000 | 19,728,000 |
| Total capital | 53,122,000 | 56,839,000 | 21,055,000 | 20,910,000 |
| Risk-weighted assets | 450,499,000 | 487,305,000 | 188,506,000 | 182,001,000 |