Call reports 2003
GALENA STATE BANK AND TRUST COMPANY — 2003
What GALENA STATE BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 199,026,000 | 198,857,000 | 218,541,000 | 219,793,000 |
| Total loans | 129,897,000 | 131,344,000 | 133,257,000 | 137,465,000 |
| Allowance for loan losses | 1,496,000 | 1,482,000 | 1,484,000 | 1,644,000 |
| Securities available for sale | 43,219,000 | 39,073,000 | 52,876,000 | 64,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,703,000 | 151,740,000 | 170,652,000 | 166,600,000 |
| Interest-bearing deposits | 133,874,000 | 136,313,000 | 155,487,000 | 147,869,000 |
| Noninterest-bearing deposits | 13,829,000 | 15,427,000 | 15,165,000 | 18,731,000 |
| Equity capital | 15,848,000 | 17,042,000 | 17,181,000 | 17,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,025,000 | 5,882,000 | 8,637,000 | 11,343,000 |
| Interest expense | 1,183,000 | 2,375,000 | 3,583,000 | 4,740,000 |
| Net interest income | 1,842,000 | 3,507,000 | 5,054,000 | 6,603,000 |
| Noninterest income | 453,000 | 1,034,000 | 1,626,000 | 1,967,000 |
| Noninterest expense | 891,000 | 1,765,000 | 2,700,000 | 3,689,000 |
| Provision for loan losses | 76,000 | 146,000 | 256,000 | 430,000 |
| Pretax income | 1,428,000 | 2,850,000 | 3,944,000 | 4,675,000 |
| Income tax | 491,000 | 978,000 | 1,337,000 | 1,548,000 |
| Net income | 937,000 | 1,872,000 | 2,607,000 | 3,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,173,000 | 16,109,000 | 16,594,000 | 17,114,000 |
| Total capital | 16,669,000 | 17,591,000 | 18,078,000 | 18,758,000 |
| Risk-weighted assets | 136,048,000 | 138,267,000 | 143,791,000 | 148,605,000 |