Call reports 2005
GENOA COMMUNITY BANK — 2005
What GENOA COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 48,507,000 | 49,459,000 | 50,599,000 | 51,841,000 |
| Total loans | 30,760,000 | 31,054,000 | 33,740,000 | 34,978,000 |
| Allowance for loan losses | 571,000 | 549,000 | 549,000 | 541,000 |
| Securities available for sale | 14,524,000 | 15,031,000 | 13,443,000 | 13,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,199,000 | 39,210,000 | 39,250,000 | 39,808,000 |
| Interest-bearing deposits | 36,304,000 | 37,213,000 | 37,722,000 | 37,881,000 |
| Noninterest-bearing deposits | 2,895,000 | 1,997,000 | 1,528,000 | 1,927,000 |
| Equity capital | 4,544,000 | 4,858,000 | 4,761,000 | 4,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 655,000 | 1,347,000 | 2,082,000 | 2,868,000 |
| Interest expense | 287,000 | 593,000 | 940,000 | 1,332,000 |
| Net interest income | 368,000 | 754,000 | 1,142,000 | 1,536,000 |
| Noninterest income | 45,000 | 75,000 | 108,000 | 138,000 |
| Noninterest expense | 328,000 | 664,000 | 996,000 | 1,325,000 |
| Provision for loan losses | -32,000 | -60,000 | -60,000 | -40,000 |
| Pretax income | 117,000 | 225,000 | 307,000 | 382,000 |
| Income tax | 5,000 | 9,000 | 12,000 | 15,000 |
| Net income | 112,000 | 216,000 | 295,000 | 367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,853,000 | 4,957,000 | 4,928,000 | 5,000,000 |
| Total capital | 5,268,000 | 5,375,000 | 5,352,000 | 5,463,000 |
| Risk-weighted assets | 33,042,000 | 33,282,000 | 35,755,000 | 36,941,000 |
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