Call reports 2013
GALION BUILDING AND LOAN BANK, THE — 2013
What GALION BUILDING AND LOAN BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 66,655,000 | 66,654,000 | 66,343,000 | 66,137,000 |
| Total loans | 42,729,000 | 42,146,000 | 44,539,000 | 45,346,000 |
| Allowance for loan losses | 242,000 | 264,000 | 303,000 | 304,000 |
| Securities available for sale | 11,102,000 | 9,647,000 | 12,241,000 | 10,887,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,803,000 | 59,898,000 | 59,560,000 | 59,374,000 |
| Interest-bearing deposits | 55,635,000 | 55,176,000 | 55,316,000 | 55,169,000 |
| Noninterest-bearing deposits | 4,168,000 | 4,722,000 | 4,244,000 | 4,205,000 |
| Equity capital | 6,678,000 | 6,578,000 | 6,604,000 | 6,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 648,000 | 1,275,000 | 1,901,000 | 2,537,000 |
| Interest expense | 147,000 | 288,000 | 428,000 | 563,000 |
| Net interest income | 501,000 | 987,000 | 1,473,000 | 1,974,000 |
| Noninterest income | 38,000 | 81,000 | 126,000 | 162,000 |
| Noninterest expense | 475,000 | 931,000 | 1,380,000 | 1,852,000 |
| Provision for loan losses | 20,000 | 40,000 | 60,000 | 60,000 |
| Pretax income | 44,000 | 97,000 | 159,000 | 224,000 |
| Income tax | 15,000 | 33,000 | 54,000 | 78,000 |
| Net income | 29,000 | 64,000 | 105,000 | 146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,596,000 | 6,619,000 | 6,660,000 | 6,699,000 |
| Total capital | 6,838,000 | 6,883,000 | 6,963,000 | 7,003,000 |
| Risk-weighted assets | 28,426,000 | 28,455,000 | 29,831,000 | 30,117,000 |
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