Call reports 2008
GENERATIONS BANK — 2008
What GENERATIONS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 25,893,000 | 25,253,000 | 25,088,000 | 26,093,000 |
| Total loans | 15,453,000 | 13,662,000 | 15,087,000 | 14,878,000 |
| Allowance for loan losses | 299,000 | 301,000 | 282,000 | 210,000 |
| Securities available for sale | 3,717,000 | 4,149,000 | 3,598,000 | 3,331,000 |
| Securities held to maturity | 2,690,000 | 2,889,000 | 2,796,000 | 2,734,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,093,000 | 20,631,000 | 19,360,000 | 21,563,000 |
| Interest-bearing deposits | 18,024,000 | 17,907,000 | 16,705,000 | 17,167,000 |
| Noninterest-bearing deposits | 3,069,000 | 2,724,000 | 2,655,000 | 4,396,000 |
| Equity capital | 3,271,000 | 3,204,000 | 3,229,000 | 3,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 373,000 | 711,000 | 1,042,000 | 1,367,000 |
| Interest expense | 161,000 | 288,000 | 400,000 | 502,000 |
| Net interest income | 212,000 | 423,000 | 642,000 | 865,000 |
| Noninterest income | 37,000 | 65,000 | 94,000 | 125,000 |
| Noninterest expense | 186,000 | 388,000 | 572,000 | 751,000 |
| Provision for loan losses | 0 | 0 | 0 | 254,000 |
| Pretax income | 63,000 | 100,000 | 164,000 | -15,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 10,000 |
| Net income | 61,000 | 95,000 | 157,000 | -25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,220,000 | 3,199,000 | 3,206,000 | 3,024,000 |
| Total capital | 3,442,000 | 3,409,000 | 3,422,000 | 3,241,000 |
| Risk-weighted assets | 17,630,000 | 16,639,000 | 17,212,000 | 17,315,000 |
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