Call reports 2009
GENUBANK — 2009
What GENUBANK 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 | 20,879,000 | 21,527,000 | 24,061,000 | 24,383,000 |
| Total loans | 11,619,000 | 12,793,000 | 13,338,000 | 14,805,000 |
| Allowance for loan losses | 148,000 | 187,000 | 226,000 | 265,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,128,000 | 11,901,000 | 14,503,000 | 14,850,000 |
| Interest-bearing deposits | 8,794,000 | 9,728,000 | 12,082,000 | 12,402,000 |
| Noninterest-bearing deposits | 2,334,000 | 2,174,000 | 2,421,000 | 2,448,000 |
| Equity capital | 9,069,000 | 9,602,000 | 9,498,000 | 9,343,000 |
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 | 211,000 | 445,000 | 703,000 | 980,000 |
| Interest expense | 35,000 | 81,000 | 135,000 | 191,000 |
| Net interest income | 176,000 | 364,000 | 568,000 | 789,000 |
| Noninterest income | 30,000 | 61,000 | 92,000 | 129,000 |
| Noninterest expense | 360,000 | 731,000 | 1,116,000 | 1,592,000 |
| Provision for loan losses | 36,000 | 75,000 | 114,000 | 153,000 |
| Pretax income | -190,000 | -381,000 | -570,000 | -827,000 |
| Income tax | -65,000 | -130,000 | -194,000 | -281,000 |
| Net income | -125,000 | -251,000 | -376,000 | -546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,700,000 | 9,168,000 | 9,000,000 | 8,758,000 |
| Total capital | 8,848,000 | 9,355,000 | 9,226,000 | 9,023,000 |
| Risk-weighted assets | 16,838,000 | 18,486,000 | 20,386,000 | 21,864,000 |