Call reports 2009
GENOA COMMUNITY BANK — 2009
What GENOA COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 53,793,000 | 53,666,000 | 55,093,000 | 54,962,000 |
| Total loans | 39,085,000 | 40,165,000 | 41,918,000 | 39,303,000 |
| Allowance for loan losses | 511,000 | 516,000 | 489,000 | 520,000 |
| Securities available for sale | 11,465,000 | 10,255,000 | 10,035,000 | 11,799,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,503,000 | 42,721,000 | 44,223,000 | 44,152,000 |
| Interest-bearing deposits | 38,880,000 | 40,601,000 | 42,135,000 | 41,213,000 |
| Noninterest-bearing deposits | 2,623,000 | 2,120,000 | 2,088,000 | 2,939,000 |
| Equity capital | 5,172,000 | 4,960,000 | 5,213,000 | 5,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 738,000 | 1,449,000 | 2,172,000 | 2,882,000 |
| Interest expense | 273,000 | 543,000 | 814,000 | 1,079,000 |
| Net interest income | 465,000 | 906,000 | 1,358,000 | 1,803,000 |
| Noninterest income | 52,000 | 92,000 | 139,000 | 185,000 |
| Noninterest expense | 315,000 | 698,000 | 1,038,000 | 1,378,000 |
| Provision for loan losses | 80,000 | 110,000 | 140,000 | 170,000 |
| Pretax income | 122,000 | 190,000 | 309,000 | 415,000 |
| Income tax | 13,000 | 10,000 | 15,000 | 20,000 |
| Net income | 109,000 | 180,000 | 294,000 | 395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,302,000 | 5,094,000 | 5,142,000 | 5,193,000 |
| Total capital | 5,813,000 | 5,610,000 | 5,631,000 | 5,713,000 |
| Risk-weighted assets | 41,670,000 | 42,759,000 | 44,487,000 | 42,772,000 |