Call reports 2004
GENERATIONS BANK — 2004
What GENERATIONS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 24,449,000 | 25,000,000 | 25,308,000 | 26,402,000 |
| Total loans | 13,566,000 | 13,966,000 | 15,044,000 | 15,221,000 |
| Allowance for loan losses | 381,000 | 381,000 | 381,000 | 381,000 |
| Securities available for sale | 4,370,000 | 4,257,000 | 4,315,000 | 4,287,000 |
| Securities held to maturity | 2,538,000 | 2,237,000 | 2,054,000 | 1,929,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,644,000 | 18,869,000 | 19,088,000 | 20,165,000 |
| Interest-bearing deposits | 16,270,000 | 16,158,000 | 16,678,000 | 16,546,000 |
| Noninterest-bearing deposits | 2,374,000 | 2,711,000 | 2,410,000 | 3,619,000 |
| Equity capital | 3,310,000 | 3,108,000 | 3,216,000 | 3,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 303,000 | 585,000 | 913,000 | 1,265,000 |
| Interest expense | 97,000 | 195,000 | 296,000 | 401,000 |
| Net interest income | 206,000 | 390,000 | 617,000 | 864,000 |
| Noninterest income | 54,000 | 96,000 | 119,000 | 211,000 |
| Noninterest expense | 188,000 | 408,000 | 606,000 | 783,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 72,000 | 78,000 | 130,000 | 292,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 8,000 |
| Net income | 70,000 | 74,000 | 124,000 | 284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,268,000 | 3,172,000 | 3,222,000 | 3,282,000 |
| Total capital | 3,467,000 | 3,382,000 | 3,441,000 | 3,511,000 |
| Risk-weighted assets | 15,743,000 | 16,663,000 | 17,426,000 | 18,153,000 |
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