Call reports 2003
GENOA BANKING COMPANY, THE — 2003
What GENOA BANKING COMPANY, THE 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 | 161,155,000 | 160,391,000 | 163,787,000 | 167,847,000 |
| Total loans | 118,583,000 | 121,382,000 | 127,331,000 | 128,580,000 |
| Allowance for loan losses | 1,116,000 | 1,196,000 | 1,243,000 | 1,223,000 |
| Securities available for sale | 31,526,000 | 27,327,000 | 28,005,000 | 29,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,608,000 | 135,532,000 | 135,106,000 | 140,455,000 |
| Interest-bearing deposits | 119,209,000 | 107,287,000 | 120,737,000 | 126,559,000 |
| Noninterest-bearing deposits | 15,399,000 | 28,245,000 | 14,369,000 | 13,896,000 |
| Equity capital | 12,160,000 | 12,772,000 | 13,089,000 | 13,273,000 |
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 | 2,405,000 | 4,933,000 | 7,404,000 | 9,710,000 |
| Interest expense | 970,000 | 1,834,000 | 2,705,000 | 3,625,000 |
| Net interest income | 1,435,000 | 3,099,000 | 4,699,000 | 6,085,000 |
| Noninterest income | 386,000 | 983,000 | 1,491,000 | 1,725,000 |
| Noninterest expense | 1,200,000 | 2,564,000 | 3,907,000 | 5,104,000 |
| Provision for loan losses | 90,000 | 199,000 | 295,000 | 386,000 |
| Pretax income | 545,000 | 1,333,000 | 2,005,000 | 2,384,000 |
| Income tax | 180,000 | 442,000 | 671,000 | 788,000 |
| Net income | 365,000 | 891,000 | 1,334,000 | 1,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,452,000 | 12,332,000 | 12,775,000 | 13,037,000 |
| Total capital | 12,568,000 | 13,528,000 | 14,018,000 | 14,260,000 |
| Risk-weighted assets | 93,050,000 | 102,284,000 | 104,225,000 | 106,483,000 |
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