Call reports 2023
GALION BUILDING AND LOAN BANK, THE — 2023
What GALION BUILDING AND LOAN BANK, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 75,464,000 | 75,912,000 | 77,031,000 | 77,103,000 |
| Total loans | 53,504,000 | 54,252,000 | 56,570,000 | 55,662,000 |
| Allowance for loan losses | 257,000 | 261,000 | 283,000 | 310,000 |
| Securities available for sale | 5,849,000 | 5,318,000 | 4,810,000 | 4,431,000 |
| Securities held to maturity | 12,173,000 | 11,779,000 | 11,366,000 | 11,005,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,819,000 | 62,580,000 | 61,251,000 | 61,772,000 |
| Interest-bearing deposits | 52,984,000 | 51,404,000 | 49,893,000 | 49,071,000 |
| Noninterest-bearing deposits | 11,835,000 | 11,176,000 | 11,358,000 | 12,701,000 |
| Equity capital | 7,635,000 | 7,732,000 | 7,826,000 | 7,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 752,000 | 1,539,000 | 2,360,000 | 3,235,000 |
| Interest expense | 100,000 | 264,000 | 473,000 | 713,000 |
| Net interest income | 652,000 | 1,275,000 | 1,887,000 | 2,522,000 |
| Noninterest income | 46,000 | 89,000 | 133,000 | 173,000 |
| Noninterest expense | 522,000 | 1,053,000 | 1,577,000 | 2,118,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 45,000 |
| Pretax income | 176,000 | 311,000 | 423,000 | 532,000 |
| Income tax | 37,000 | 65,000 | 93,000 | 137,000 |
| Net income | 139,000 | 246,000 | 330,000 | 395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,813,000 | 7,919,000 | 8,003,000 | 8,069,000 |