Call reports 2014
GALION BUILDING AND LOAN BANK, THE — 2014
What GALION BUILDING AND LOAN BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 66,117,000 | 66,081,000 | 66,133,000 | 64,724,000 |
| Total loans | 44,449,000 | 44,515,000 | 45,038,000 | 45,076,000 |
| Allowance for loan losses | 239,000 | 260,000 | 271,000 | 268,000 |
| Securities available for sale | 11,532,000 | 10,516,000 | 11,258,000 | 10,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,335,000 | 59,183,000 | 59,155,000 | 57,670,000 |
| Interest-bearing deposits | 54,757,000 | 54,624,000 | 54,214,000 | 52,664,000 |
| Noninterest-bearing deposits | 4,578,000 | 4,559,000 | 4,941,000 | 5,006,000 |
| Equity capital | 6,653,000 | 6,756,000 | 6,783,000 | 6,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 626,000 | 1,239,000 | 1,850,000 | 2,466,000 |
| Interest expense | 127,000 | 248,000 | 369,000 | 484,000 |
| Net interest income | 499,000 | 991,000 | 1,481,000 | 1,982,000 |
| Noninterest income | 43,000 | 91,000 | 136,000 | 182,000 |
| Noninterest expense | 458,000 | 923,000 | 1,400,000 | 1,865,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 45,000 |
| Pretax income | 70,000 | 130,000 | 173,000 | 255,000 |
| Income tax | 24,000 | 44,000 | 66,000 | 59,000 |
| Net income | 46,000 | 86,000 | 107,000 | 196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,766,000 | 6,806,000 | 6,828,000 | 6,916,000 |
| Total capital | 7,005,000 | 7,066,000 | 7,099,000 | 7,184,000 |
| Risk-weighted assets | 29,781,000 | 29,452,000 | 29,931,000 | 30,129,000 |