Call reports 2005
GALENA STATE BANK AND TRUST COMPANY — 2005
What GALENA STATE BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 219,405,000 | 232,785,000 | 240,185,000 | 241,709,000 |
| Total loans | 151,231,000 | 163,068,000 | 173,985,000 | 177,056,000 |
| Allowance for loan losses | 1,805,000 | 1,904,000 | 2,119,000 | 2,181,000 |
| Securities available for sale | 54,538,000 | 53,655,000 | 51,788,000 | 49,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,655,000 | 175,235,000 | 175,619,000 | 179,436,000 |
| Interest-bearing deposits | 148,517,000 | 158,829,000 | 158,571,000 | 160,856,000 |
| Noninterest-bearing deposits | 15,138,000 | 16,406,000 | 17,048,000 | 18,580,000 |
| Equity capital | 17,810,000 | 16,476,000 | 17,066,000 | 17,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,912,000 | 5,961,000 | 9,215,000 | 12,609,000 |
| Interest expense | 1,169,000 | 2,469,000 | 3,960,000 | 5,558,000 |
| Net interest income | 1,743,000 | 3,492,000 | 5,255,000 | 7,051,000 |
| Noninterest income | 376,000 | 801,000 | 1,273,000 | 1,718,000 |
| Noninterest expense | 1,044,000 | 2,036,000 | 3,078,000 | 4,123,000 |
| Provision for loan losses | 86,000 | 216,000 | 430,000 | 584,000 |
| Pretax income | 989,000 | 2,041,000 | 3,020,000 | 4,062,000 |
| Income tax | 305,000 | 636,000 | 936,000 | 1,254,000 |
| Net income | 684,000 | 1,405,000 | 2,084,000 | 2,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,923,000 | 16,144,000 | 16,823,000 | 17,535,000 |
| Total capital | 19,728,000 | 18,071,000 | 18,965,000 | 19,739,000 |
| Risk-weighted assets | 162,712,000 | 172,927,000 | 182,528,000 | 184,842,000 |