Call reports 2013
GENERATIONS BANK — 2013
What GENERATIONS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 34,016,000 | 30,799,000 | 32,357,000 | 35,676,000 |
| Total loans | 19,699,000 | 19,417,000 | 21,414,000 | 24,485,000 |
| Allowance for loan losses | 171,000 | 177,000 | 183,000 | 187,000 |
| Securities available for sale | 4,597,000 | 3,850,000 | 3,770,000 | 4,115,000 |
| Securities held to maturity | 3,296,000 | 3,142,000 | 2,979,000 | 2,897,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,850,000 | 26,647,000 | 25,486,000 | 25,257,000 |
| Interest-bearing deposits | 21,581,000 | 20,367,000 | 19,712,000 | 18,249,000 |
| Noninterest-bearing deposits | 8,269,000 | 6,280,000 | 5,774,000 | 7,008,000 |
| Equity capital | 3,726,000 | 3,663,000 | 3,753,000 | 3,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 294,000 | 619,000 | 943,000 | 1,271,000 |
| Interest expense | 30,000 | 58,000 | 83,000 | 108,000 |
| Net interest income | 264,000 | 561,000 | 860,000 | 1,163,000 |
| Noninterest income | 59,000 | 122,000 | 162,000 | 196,000 |
| Noninterest expense | 266,000 | 499,000 | 754,000 | 1,009,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 81,000 | 219,000 | 297,000 | 408,000 |
| Income tax | 23,000 | 45,000 | 68,000 | 91,000 |
| Net income | 58,000 | 174,000 | 229,000 | 317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,761,000 | 2,817,000 | 2,890,000 | 2,919,000 |
| Total capital | 2,932,000 | 2,994,000 | 3,073,000 | 3,106,000 |
| Risk-weighted assets | 24,126,000 | 24,128,000 | 25,498,000 | 28,229,000 |