Call reports 2015
GALION BUILDING AND LOAN BANK, THE — 2015
What GALION BUILDING AND LOAN BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 64,321,000 | 63,302,000 | 63,712,000 | 63,293,000 |
| Total loans | 44,723,000 | 44,728,000 | 44,853,000 | 43,703,000 |
| Allowance for loan losses | 254,000 | 247,000 | 240,000 | 222,000 |
| Securities available for sale | 10,790,000 | 10,363,000 | 9,105,000 | 8,728,000 |
| Securities held to maturity | 0 | 0 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,166,000 | 56,144,000 | 56,407,000 | 56,040,000 |
| Interest-bearing deposits | 51,737,000 | 51,271,000 | 51,616,000 | 50,870,000 |
| Noninterest-bearing deposits | 5,429,000 | 4,873,000 | 4,791,000 | 5,170,000 |
| Equity capital | 7,009,000 | 7,014,000 | 7,095,000 | 7,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 601,000 | 1,197,000 | 1,793,000 | 2,378,000 |
| Interest expense | 108,000 | 211,000 | 309,000 | 400,000 |
| Net interest income | 493,000 | 986,000 | 1,484,000 | 1,978,000 |
| Noninterest income | 44,000 | 83,000 | 130,000 | 180,000 |
| Noninterest expense | 472,000 | 936,000 | 1,407,000 | 1,892,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 65,000 | 133,000 | 207,000 | 266,000 |
| Income tax | 22,000 | 45,000 | 70,000 | 50,000 |
| Net income | 43,000 | 88,000 | 137,000 | 216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,959,000 | 7,004,000 | 7,053,000 | 7,133,000 |
| Total capital | 7,213,000 | 7,251,000 | 7,293,000 | 7,355,000 |
| Risk-weighted assets | 29,339,000 | 28,894,000 | 29,157,000 | 28,751,000 |