Call reports 2016
GENUBANK — 2016
What GENUBANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 78,789,000 | 78,803,000 | 74,891,000 | 77,819,000 |
| Total loans | 61,028,000 | 60,922,000 | 60,329,000 | 63,437,000 |
| Allowance for loan losses | 684,000 | 719,000 | 734,000 | 835,000 |
| 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 | 68,146,000 | 67,956,000 | 63,874,000 | 66,432,000 |
| Interest-bearing deposits | 54,436,000 | 52,849,000 | 50,431,000 | 53,998,000 |
| Noninterest-bearing deposits | 13,710,000 | 15,107,000 | 13,443,000 | 12,434,000 |
| Equity capital | 10,527,000 | 10,703,000 | 10,877,000 | 11,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 886,000 | 1,820,000 | 2,727,000 | 3,764,000 |
| Interest expense | 103,000 | 205,000 | 304,000 | 406,000 |
| Net interest income | 783,000 | 1,615,000 | 2,423,000 | 3,358,000 |
| Noninterest income | 19,000 | 35,000 | 54,000 | 62,000 |
| Noninterest expense | 524,000 | 1,071,000 | 1,621,000 | 2,135,000 |
| Provision for loan losses | 40,000 | 75,000 | 90,000 | 73,000 |
| Pretax income | 238,000 | 504,000 | 766,000 | 1,212,000 |
| Income tax | 81,000 | 172,000 | 261,000 | 402,000 |
| Net income | 157,000 | 332,000 | 505,000 | 810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,003,000 | 10,270,000 | 10,532,000 | 10,871,000 |
| Total capital | 10,691,000 | 10,993,000 | 11,270,000 | 11,690,000 |
| Risk-weighted assets | 62,502,000 | 62,818,000 | 62,429,000 | 65,355,000 |