Call reports 2007
GOLF SAVINGS BANK — 2007
What GOLF SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 303,788,000 | 318,594,000 | 357,475,000 | 399,805,000 |
| Total loans | 250,274,000 | 302,440,000 | 328,634,000 | 382,251,000 |
| Allowance for loan losses | 1,127,000 | 1,202,000 | 1,265,000 | 1,385,000 |
| Securities available for sale | 0 | 0 | 0 | 200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,189,000 | 280,739,000 | 326,946,000 | 331,158,000 |
| Interest-bearing deposits | 225,110,000 | 274,346,000 | 320,586,000 | 326,019,000 |
| Noninterest-bearing deposits | 5,079,000 | 6,393,000 | 6,360,000 | 5,139,000 |
| Equity capital | 55,193,000 | 26,509,000 | 26,317,000 | 29,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,586,000 | 12,160,000 | 19,396,000 | 27,435,000 |
| Interest expense | 2,874,000 | 6,251,000 | 10,159,000 | 14,462,000 |
| Net interest income | 2,712,000 | 5,909,000 | 9,237,000 | 12,973,000 |
| Noninterest income | 4,007,000 | 8,027,000 | 12,250,000 | 16,356,000 |
| Noninterest expense | 7,387,000 | 14,761,000 | 22,503,000 | 29,596,000 |
| Provision for loan losses | 75,000 | 150,000 | 263,000 | 383,000 |
| Pretax income | -743,000 | -975,000 | -1,279,000 | -650,000 |
| Income tax | -275,000 | -361,000 | -474,000 | -240,000 |
| Net income | -468,000 | -614,000 | -805,000 | -410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,243,000 | 24,128,000 | 23,763,000 | 27,173,000 |
| Total capital | 25,487,000 | 25,447,000 | 25,195,000 | 28,725,000 |
| Risk-weighted assets | 197,835,000 | 211,679,000 | 230,802,000 | 266,023,000 |