Call reports 2006
GALENA STATE BANK AND TRUST COMPANY — 2006
What GALENA STATE BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 242,884,000 | 237,562,000 | 235,048,000 | 219,700,000 |
| Total loans | 180,284,000 | 173,920,000 | 168,925,000 | 158,340,000 |
| Allowance for loan losses | 2,204,000 | 2,148,000 | 2,235,000 | 2,049,000 |
| Securities available for sale | 48,938,000 | 47,088,000 | 46,429,000 | 45,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,987,000 | 189,077,000 | 192,253,000 | 178,388,000 |
| Interest-bearing deposits | 165,210,000 | 170,024,000 | 176,033,000 | 159,222,000 |
| Noninterest-bearing deposits | 15,777,000 | 19,053,000 | 16,220,000 | 19,166,000 |
| Equity capital | 17,885,000 | 18,066,000 | 18,972,000 | 19,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,457,000 | 7,113,000 | 10,749,000 | 14,256,000 |
| Interest expense | 1,678,000 | 3,504,000 | 5,277,000 | 6,978,000 |
| Net interest income | 1,779,000 | 3,609,000 | 5,472,000 | 7,278,000 |
| Noninterest income | 424,000 | 937,000 | 1,472,000 | 1,972,000 |
| Noninterest expense | 1,113,000 | 2,232,000 | 3,339,000 | 4,398,000 |
| Provision for loan losses | 34,000 | 103,000 | 190,000 | 193,000 |
| Pretax income | 1,056,000 | 2,188,000 | 3,392,000 | 4,635,000 |
| Income tax | 332,000 | 693,000 | 1,077,000 | 1,468,000 |
| Net income | 724,000 | 1,495,000 | 2,315,000 | 3,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,887,000 | 18,268,000 | 18,723,000 | 18,833,000 |
| Total capital | 20,113,000 | 20,437,000 | 20,942,000 | 20,903,000 |
| Risk-weighted assets | 188,373,000 | 182,744,000 | 177,444,000 | 166,617,000 |