Call reports 2003
GOLDEN GATE BANK — 2003
What GOLDEN GATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 440,489,000 | 418,220,000 | 385,448,000 | 359,371,000 |
| Total loans | 202,229,000 | 188,178,000 | 178,376,000 | 184,538,000 |
| Allowance for loan losses | 6,246,000 | 5,885,000 | 5,560,000 | 5,313,000 |
| Securities available for sale | 189,633,000 | 202,305,000 | 178,055,000 | 150,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,802,000 | 260,046,000 | 261,080,000 | 253,661,000 |
| Interest-bearing deposits | 282,344,000 | 237,228,000 | 231,583,000 | 230,295,000 |
| Noninterest-bearing deposits | 19,458,000 | 22,818,000 | 29,497,000 | 23,366,000 |
| Equity capital | 30,519,000 | 31,286,000 | 31,035,000 | 30,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,575,000 | 10,112,000 | 14,261,000 | 17,744,000 |
| Interest expense | 1,471,000 | 2,636,000 | 3,677,000 | 4,507,000 |
| Net interest income | 4,104,000 | 7,476,000 | 10,584,000 | 13,237,000 |
| Noninterest income | 270,000 | 532,000 | 821,000 | 1,112,000 |
| Noninterest expense | 2,430,000 | 4,877,000 | 7,545,000 | 9,720,000 |
| Provision for loan losses | 1,224,000 | 1,222,000 | 1,230,000 | 1,245,000 |
| Pretax income | 1,019,000 | 2,581,000 | 3,365,000 | 4,183,000 |
| Income tax | 384,000 | 963,000 | 1,253,000 | 1,565,000 |
| Net income | 635,000 | 1,618,000 | 2,112,000 | 2,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,903,000 | 30,516,000 | 30,687,000 | 30,869,000 |
| Total capital | 33,210,000 | 33,696,000 | 33,665,000 | 33,815,000 |
| Risk-weighted assets | 261,564,000 | 251,584,000 | 235,533,000 | 233,271,000 |