Call reports 2008
GALENA STATE BANK AND TRUST COMPANY — 2008
What GALENA STATE BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 220,124,000 | 216,920,000 | 229,958,000 | 222,756,000 |
| Total loans | 138,128,000 | 134,954,000 | 142,765,000 | 143,635,000 |
| Allowance for loan losses | 1,746,000 | 1,709,000 | 1,884,000 | 1,963,000 |
| Securities available for sale | 67,633,000 | 63,585,000 | 54,264,000 | 61,189,000 |
| Securities held to maturity | 0 | 0 | 6,151,000 | 6,126,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,268,000 | 179,877,000 | 196,007,000 | 185,043,000 |
| Interest-bearing deposits | 160,276,000 | 160,469,000 | 179,345,000 | 166,489,000 |
| Noninterest-bearing deposits | 17,992,000 | 19,408,000 | 16,662,000 | 18,554,000 |
| Equity capital | 17,896,000 | 16,365,000 | 15,342,000 | 16,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,277,000 | 6,281,000 | 9,431,000 | 12,575,000 |
| Interest expense | 1,538,000 | 2,934,000 | 4,388,000 | 5,792,000 |
| Net interest income | 1,739,000 | 3,347,000 | 5,043,000 | 6,783,000 |
| Noninterest income | 689,000 | 1,183,000 | 1,917,000 | 2,234,000 |
| Noninterest expense | 1,199,000 | 2,407,000 | 3,562,000 | 4,630,000 |
| Provision for loan losses | -63,000 | -121,000 | 122,000 | 772,000 |
| Pretax income | 1,285,000 | 2,230,000 | 3,256,000 | 3,595,000 |
| Income tax | 419,000 | 721,000 | 1,062,000 | 1,162,000 |
| Net income | 866,000 | 1,509,000 | 2,194,000 | 2,433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,238,000 | 16,380,000 | 15,565,000 | 15,804,000 |
| Total capital | 19,010,000 | 18,111,000 | 17,470,000 | 17,775,000 |
| Risk-weighted assets | 149,663,000 | 155,099,000 | 165,506,000 | 157,629,000 |