Call reports 2004
GENOA BANKING COMPANY, THE — 2004
What GENOA BANKING COMPANY, THE 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 | 170,347,000 | 185,904,000 | 189,860,000 | 197,294,000 |
| Total loans | 133,512,000 | 141,759,000 | 151,109,000 | 155,874,000 |
| Allowance for loan losses | 1,321,000 | 1,394,000 | 1,488,000 | 1,558,000 |
| Securities available for sale | 27,221,000 | 28,402,000 | 28,552,000 | 27,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,189,000 | 149,776,000 | 154,976,000 | 167,082,000 |
| Interest-bearing deposits | 128,370,000 | 134,422,000 | 139,505,000 | 149,358,000 |
| Noninterest-bearing deposits | 15,819,000 | 15,354,000 | 15,471,000 | 17,724,000 |
| Equity capital | 13,594,000 | 13,752,000 | 14,034,000 | 14,228,000 |
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 | 2,346,000 | 4,844,000 | 7,448,000 | 10,249,000 |
| Interest expense | 893,000 | 1,818,000 | 2,828,000 | 3,900,000 |
| Net interest income | 1,453,000 | 3,026,000 | 4,620,000 | 6,349,000 |
| Noninterest income | 370,000 | 871,000 | 1,093,000 | 1,390,000 |
| Noninterest expense | 1,221,000 | 2,518,000 | 3,849,000 | 5,237,000 |
| Provision for loan losses | 95,000 | 191,000 | 290,000 | 387,000 |
| Pretax income | 519,000 | 1,200,000 | 1,586,000 | 2,139,000 |
| Income tax | 170,000 | 397,000 | 522,000 | 694,000 |
| Net income | 349,000 | 803,000 | 1,064,000 | 1,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,335,000 | 13,765,000 | 13,926,000 | 14,235,000 |
| Total capital | 14,656,000 | 15,159,000 | 15,414,000 | 15,793,000 |
| Risk-weighted assets | 112,267,000 | 124,167,000 | 133,619,000 | 139,164,000 |
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