Call reports 2012
GENERATIONS BANK — 2012
What GENERATIONS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 30,441,000 | 30,076,000 | 29,327,000 | 32,822,000 |
| Total loans | 16,295,000 | 18,128,000 | 17,227,000 | 21,258,000 |
| Allowance for loan losses | 75,000 | 92,000 | 109,000 | 165,000 |
| Securities available for sale | 3,435,000 | 2,642,000 | 3,105,000 | 3,713,000 |
| Securities held to maturity | 2,761,000 | 4,117,000 | 3,764,000 | 3,463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,165,000 | 24,890,000 | 23,200,000 | 25,644,000 |
| Interest-bearing deposits | 19,384,000 | 19,139,000 | 18,292,000 | 18,542,000 |
| Noninterest-bearing deposits | 6,781,000 | 5,751,000 | 4,908,000 | 7,102,000 |
| Equity capital | 3,601,000 | 3,642,000 | 3,699,000 | 3,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 282,000 | 573,000 | 897,000 | 1,196,000 |
| Interest expense | 45,000 | 87,000 | 128,000 | 164,000 |
| Net interest income | 237,000 | 486,000 | 769,000 | 1,032,000 |
| Noninterest income | 35,000 | 74,000 | 124,000 | 227,000 |
| Noninterest expense | 227,000 | 461,000 | 690,000 | 926,000 |
| Provision for loan losses | 21,000 | 38,000 | 54,000 | 110,000 |
| Pretax income | 24,000 | 65,000 | 153,000 | 202,000 |
| Income tax | 5,000 | 11,000 | 34,000 | 28,000 |
| Net income | 19,000 | 54,000 | 119,000 | 174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,569,000 | 2,621,000 | 2,700,000 | 2,688,000 |
| Total capital | 2,684,000 | 2,753,000 | 2,849,000 | 2,853,000 |
| Risk-weighted assets | 19,342,000 | 21,525,000 | 21,503,000 | 25,341,000 |