Call reports 2008
GENOA COMMUNITY BANK — 2008
What GENOA COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 50,457,000 | 51,879,000 | 52,171,000 | 54,793,000 |
| Total loans | 34,505,000 | 35,212,000 | 36,889,000 | 39,111,000 |
| Allowance for loan losses | 359,000 | 347,000 | 403,000 | 425,000 |
| Securities available for sale | 10,226,000 | 12,060,000 | 11,720,000 | 11,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,709,000 | 39,367,000 | 37,868,000 | 40,733,000 |
| Interest-bearing deposits | 36,636,000 | 37,207,000 | 35,740,000 | 37,770,000 |
| Noninterest-bearing deposits | 2,073,000 | 2,160,000 | 2,128,000 | 2,963,000 |
| Equity capital | 5,312,000 | 5,088,000 | 4,902,000 | 5,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 803,000 | 1,509,000 | 2,273,000 | 3,012,000 |
| Interest expense | 418,000 | 796,000 | 1,164,000 | 1,489,000 |
| Net interest income | 385,000 | 713,000 | 1,109,000 | 1,523,000 |
| Noninterest income | 66,000 | 107,000 | 146,000 | 188,000 |
| Noninterest expense | 307,000 | 607,000 | 913,000 | 1,216,000 |
| Provision for loan losses | 0 | 15,000 | 90,000 | 153,000 |
| Pretax income | 144,000 | 198,000 | 256,000 | 264,000 |
| Income tax | 5,000 | 8,000 | 10,000 | 10,000 |
| Net income | 139,000 | 190,000 | 246,000 | 254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,295,000 | 5,300,000 | 5,261,000 | 5,236,000 |
| Total capital | 5,653,000 | 5,647,000 | 5,664,000 | 5,661,000 |
| Risk-weighted assets | 37,292,000 | 38,169,000 | 39,923,000 | 41,918,000 |