Call reports 2004
GALENA STATE BANK AND TRUST COMPANY — 2004
What GALENA STATE BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 210,290,000 | 212,720,000 | 226,639,000 | 219,817,000 |
| Total loans | 139,076,000 | 139,756,000 | 143,869,000 | 145,289,000 |
| Allowance for loan losses | 1,720,000 | 1,783,000 | 1,631,000 | 1,749,000 |
| Securities available for sale | 55,013,000 | 52,307,000 | 58,008,000 | 56,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,546,000 | 166,376,000 | 181,820,000 | 168,109,000 |
| Interest-bearing deposits | 147,888,000 | 150,558,000 | 165,186,000 | 150,541,000 |
| Noninterest-bearing deposits | 14,658,000 | 15,818,000 | 16,634,000 | 17,568,000 |
| Equity capital | 18,762,000 | 18,484,000 | 17,571,000 | 17,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,869,000 | 5,562,000 | 8,352,000 | 11,245,000 |
| Interest expense | 1,107,000 | 2,198,000 | 3,347,000 | 4,526,000 |
| Net interest income | 1,762,000 | 3,364,000 | 5,005,000 | 6,719,000 |
| Noninterest income | 349,000 | 830,000 | 1,194,000 | 1,680,000 |
| Noninterest expense | 970,000 | 1,912,000 | 2,893,000 | 3,908,000 |
| Provision for loan losses | 74,000 | 148,000 | 249,000 | 422,000 |
| Pretax income | 1,133,000 | 2,282,000 | 3,205,000 | 4,217,000 |
| Income tax | 360,000 | 722,000 | 1,002,000 | 1,291,000 |
| Net income | 773,000 | 1,560,000 | 2,203,000 | 2,926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,887,000 | 18,673,000 | 17,067,000 | 17,539,000 |
| Total capital | 19,607,000 | 20,456,000 | 18,698,000 | 19,288,000 |
| Risk-weighted assets | 146,900,000 | 149,530,000 | 155,674,000 | 156,623,000 |