Call reports 2003
GENOA COMMUNITY BANK — 2003
What GENOA COMMUNITY BANK 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 | 45,144,000 | 43,193,000 | 41,853,000 | 44,941,000 |
| Total loans | 32,026,000 | 30,169,000 | 28,478,000 | 27,947,000 |
| Allowance for loan losses | 787,000 | 787,000 | 653,000 | 589,000 |
| Securities available for sale | 10,218,000 | 10,054,000 | 10,495,000 | 13,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,453,000 | 35,138,000 | 33,479,000 | 35,104,000 |
| Interest-bearing deposits | 34,408,000 | 33,635,000 | 31,831,000 | 32,733,000 |
| Noninterest-bearing deposits | 2,045,000 | 1,503,000 | 1,648,000 | 2,371,000 |
| Equity capital | 4,779,000 | 4,815,000 | 4,673,000 | 4,710,000 |
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 | 662,000 | 1,283,000 | 1,856,000 | 2,415,000 |
| Interest expense | 326,000 | 625,000 | 874,000 | 1,107,000 |
| Net interest income | 336,000 | 658,000 | 982,000 | 1,308,000 |
| Noninterest income | 156,000 | 178,000 | 200,000 | 240,000 |
| Noninterest expense | 376,000 | 732,000 | 1,048,000 | 1,365,000 |
| Provision for loan losses | 8,000 | 8,000 | 48,000 | 23,000 |
| Pretax income | 108,000 | 96,000 | 86,000 | 160,000 |
| Income tax | 4,000 | 4,000 | 3,000 | 6,000 |
| Net income | 104,000 | 92,000 | 83,000 | 154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,612,000 | 4,599,000 | 4,590,000 | 4,661,000 |
| Total capital | 5,043,000 | 5,005,000 | 4,978,000 | 5,044,000 |
| Risk-weighted assets | 34,216,000 | 32,085,000 | 30,752,000 | 30,438,000 |
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