Call reports 2004
GENOA COMMUNITY BANK — 2004
What GENOA COMMUNITY BANK 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 | 44,882,000 | 46,433,000 | 47,201,000 | 46,956,000 |
| Total loans | 28,119,000 | 29,769,000 | 30,306,000 | 30,358,000 |
| Allowance for loan losses | 601,000 | 611,000 | 613,000 | 615,000 |
| Securities available for sale | 13,362,000 | 13,714,000 | 13,835,000 | 13,290,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,256,000 | 36,513,000 | 36,458,000 | 37,654,000 |
| Interest-bearing deposits | 33,353,000 | 34,838,000 | 34,772,000 | 35,589,000 |
| Noninterest-bearing deposits | 1,903,000 | 1,675,000 | 1,686,000 | 2,065,000 |
| Equity capital | 4,780,000 | 4,468,000 | 4,752,000 | 4,761,000 |
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 | 571,000 | 1,148,000 | 1,770,000 | 2,389,000 |
| Interest expense | 228,000 | 460,000 | 708,000 | 978,000 |
| Net interest income | 343,000 | 688,000 | 1,062,000 | 1,411,000 |
| Noninterest income | 45,000 | 82,000 | 134,000 | 178,000 |
| Noninterest expense | 316,000 | 645,000 | 953,000 | 1,280,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 69,000 | 133,000 | 258,000 | 324,000 |
| Income tax | 3,000 | 5,000 | 10,000 | 12,000 |
| Net income | 66,000 | 128,000 | 248,000 | 312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,650,000 | 4,713,000 | 4,769,000 | 4,832,000 |
| Total capital | 5,035,000 | 5,113,000 | 5,179,000 | 5,239,000 |
| Risk-weighted assets | 30,538,000 | 31,812,000 | 32,569,000 | 32,366,000 |
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