Call reports 2015
GENUBANK — 2015
What GENUBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 68,958,000 | 73,407,000 | 72,383,000 | 71,437,000 |
| Total loans | 49,986,000 | 51,634,000 | 55,909,000 | 56,894,000 |
| Allowance for loan losses | 525,000 | 562,000 | 624,000 | 644,000 |
| Securities available for sale | 5,000 | 5,000 | 5,000 | 5,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,872,000 | 63,229,000 | 62,037,000 | 60,946,000 |
| Interest-bearing deposits | 49,216,000 | 48,753,000 | 51,312,000 | 50,278,000 |
| Noninterest-bearing deposits | 9,656,000 | 14,476,000 | 10,725,000 | 10,668,000 |
| Equity capital | 9,978,000 | 10,097,000 | 10,252,000 | 10,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 760,000 | 1,569,000 | 2,433,000 | 3,308,000 |
| Interest expense | 83,000 | 168,000 | 256,000 | 348,000 |
| Net interest income | 677,000 | 1,401,000 | 2,177,000 | 2,960,000 |
| Noninterest income | 16,000 | 39,000 | 58,000 | 77,000 |
| Noninterest expense | 601,000 | 1,193,000 | 1,772,000 | 2,359,000 |
| Provision for loan losses | 13,000 | 50,000 | 112,000 | 132,000 |
| Pretax income | 79,000 | 197,000 | 351,000 | 546,000 |
| Income tax | 0 | 0 | 0 | 79,000 |
| Net income | 79,000 | 197,000 | 351,000 | 467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,293,000 | 9,412,000 | 9,567,000 | 9,763,000 |
| Total capital | 9,818,000 | 9,978,000 | 10,195,000 | 10,411,000 |
| Risk-weighted assets | 51,120,000 | 52,790,000 | 57,144,000 | 58,235,000 |