Call reports 2002
GALENA STATE BANK AND TRUST COMPANY — 2002
What GALENA STATE BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 177,322,000 | 188,241,000 | 189,862,000 | 195,802,000 |
| Total loans | 109,552,000 | 108,725,000 | 116,651,000 | 122,570,000 |
| Allowance for loan losses | 1,335,000 | 1,346,000 | 1,358,000 | 1,432,000 |
| Securities available for sale | 38,231,000 | 42,592,000 | 46,980,000 | 44,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,757,000 | 150,628,000 | 152,182,000 | 147,330,000 |
| Interest-bearing deposits | 127,213,000 | 138,349,000 | 137,140,000 | 131,591,000 |
| Noninterest-bearing deposits | 10,544,000 | 12,279,000 | 15,042,000 | 15,739,000 |
| Equity capital | 13,411,000 | 13,898,000 | 14,725,000 | 15,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,736,000 | 5,433,000 | 8,348,000 | 11,332,000 |
| Interest expense | 1,391,000 | 2,720,000 | 4,052,000 | 5,306,000 |
| Net interest income | 1,345,000 | 2,713,000 | 4,296,000 | 6,026,000 |
| Noninterest income | 359,000 | 692,000 | 1,125,000 | 1,724,000 |
| Noninterest expense | 777,000 | 1,566,000 | 2,369,000 | 3,289,000 |
| Provision for loan losses | 35,000 | 60,000 | 82,000 | 240,000 |
| Pretax income | 892,000 | 1,779,000 | 2,970,000 | 4,221,000 |
| Income tax | 312,000 | 604,000 | 998,000 | 1,436,000 |
| Net income | 580,000 | 1,175,000 | 1,972,000 | 2,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,032,000 | 13,377,000 | 13,924,000 | 14,487,000 |
| Total capital | 14,367,000 | 14,723,000 | 15,282,000 | 15,919,000 |
| Risk-weighted assets | 114,818,000 | 118,118,000 | 122,850,000 | 129,634,000 |