Call reports 2016
GALION BUILDING AND LOAN BANK, THE — 2016
What GALION BUILDING AND LOAN BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 63,823,000 | 64,262,000 | 63,901,000 | 62,615,000 |
| Total loans | 43,048,000 | 42,400,000 | 42,236,000 | 42,092,000 |
| Allowance for loan losses | 222,000 | 200,000 | 189,000 | 189,000 |
| Securities available for sale | 9,526,000 | 10,141,000 | 9,253,000 | 8,851,000 |
| Securities held to maturity | 500,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,516,000 | 56,906,000 | 56,526,000 | 55,258,000 |
| Interest-bearing deposits | 51,776,000 | 51,293,000 | 50,503,000 | 50,202,000 |
| Noninterest-bearing deposits | 4,740,000 | 5,613,000 | 6,023,000 | 5,056,000 |
| Equity capital | 7,204,000 | 7,228,000 | 7,238,000 | 7,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 568,000 | 1,127,000 | 1,669,000 | 2,213,000 |
| Interest expense | 90,000 | 183,000 | 276,000 | 371,000 |
| Net interest income | 478,000 | 944,000 | 1,393,000 | 1,842,000 |
| Noninterest income | 46,000 | 92,000 | 138,000 | 186,000 |
| Noninterest expense | 483,000 | 967,000 | 1,455,000 | 1,936,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 41,000 | 69,000 | 76,000 | 92,000 |
| Income tax | 10,000 | 17,000 | 15,000 | 12,000 |
| Net income | 31,000 | 52,000 | 61,000 | 80,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,163,000 | 7,185,000 | 7,194,000 | 7,213,000 |
| Total capital | 7,385,000 | 7,385,000 | 7,383,000 | 7,402,000 |
| Risk-weighted assets | 28,445,000 | 27,750,000 | 27,623,000 | 27,054,000 |