Call reports 2012
GALION BUILDING AND LOAN BANK, THE — 2012
What GALION BUILDING AND LOAN BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 66,582,000 | 67,610,000 | 66,832,000 | 67,383,000 |
| Total loans | 44,780,000 | 44,541,000 | 44,050,000 | 43,528,000 |
| Allowance for loan losses | 210,000 | 247,000 | 269,000 | 224,000 |
| Securities available for sale | 9,628,000 | 9,789,000 | 9,959,000 | 10,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,931,000 | 60,896,000 | 59,968,000 | 60,572,000 |
| Interest-bearing deposits | 55,864,000 | 57,178,000 | 56,183,000 | 56,438,000 |
| Noninterest-bearing deposits | 4,067,000 | 3,718,000 | 3,785,000 | 4,134,000 |
| Equity capital | 6,519,000 | 6,570,000 | 6,654,000 | 6,657,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 718,000 | 1,419,000 | 2,106,000 | 2,768,000 |
| Interest expense | 192,000 | 369,000 | 537,000 | 697,000 |
| Net interest income | 526,000 | 1,050,000 | 1,569,000 | 2,071,000 |
| Noninterest income | 44,000 | 81,000 | 153,000 | 224,000 |
| Noninterest expense | 469,000 | 925,000 | 1,392,000 | 1,854,000 |
| Provision for loan losses | 30,000 | 54,000 | 74,000 | 94,000 |
| Pretax income | 71,000 | 152,000 | 256,000 | 191,000 |
| Income tax | 24,000 | 52,000 | 87,000 | 110,000 |
| Net income | 47,000 | 100,000 | 169,000 | 81,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,433,000 | 6,485,000 | 6,559,000 | 6,568,000 |
| Total capital | 6,643,000 | 6,732,000 | 6,828,000 | 6,792,000 |
| Risk-weighted assets | 30,908,000 | 30,756,000 | 29,412,000 | 28,932,000 |
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