Call reports 2009
GOLF SAVINGS BANK — 2009
What GOLF SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 561,895,000 | 619,403,000 | 581,836,000 | 593,916,000 |
| Total loans | 511,105,000 | 559,187,000 | 505,095,000 | 497,880,000 |
| Allowance for loan losses | 5,955,000 | 6,764,000 | 6,300,000 | 7,626,000 |
| Securities available for sale | 23,519,000 | 22,045,000 | 32,925,000 | 48,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,499,000 | 343,946,000 | 363,616,000 | 405,985,000 |
| Interest-bearing deposits | 337,076,000 | 335,861,000 | 352,783,000 | 393,520,000 |
| Noninterest-bearing deposits | 5,423,000 | 8,085,000 | 10,833,000 | 12,465,000 |
| Equity capital | 61,920,000 | 62,961,000 | 63,618,000 | 62,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,961,000 | 15,670,000 | 22,610,000 | 30,108,000 |
| Interest expense | 3,691,000 | 7,054,000 | 10,365,000 | 13,586,000 |
| Net interest income | 4,270,000 | 8,616,000 | 12,245,000 | 16,522,000 |
| Noninterest income | 12,868,000 | 26,926,000 | 37,839,000 | 48,066,000 |
| Noninterest expense | 6,447,000 | 15,304,000 | 25,097,000 | 35,897,000 |
| Provision for loan losses | 6,865,000 | 13,569,000 | 17,945,000 | 23,610,000 |
| Pretax income | 4,371,000 | 7,214,000 | 7,587,000 | 6,327,000 |
| Income tax | 1,539,000 | 2,537,000 | 2,617,000 | 2,113,000 |
| Net income | 2,832,000 | 4,677,000 | 4,970,000 | 4,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,938,000 | 62,432,000 | 62,741,000 | 61,823,000 |
| Total capital | 65,145,000 | 67,053,000 | 67,059,000 | 66,226,000 |
| Risk-weighted assets | 334,695,000 | 367,088,000 | 347,926,000 | 348,289,000 |