Call reports 2015
GENERATIONS BANK — 2015
What GENERATIONS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 40,323,000 | 37,488,000 | 39,406,000 | 39,577,000 |
| Total loans | 24,697,000 | 24,781,000 | 26,212,000 | 28,025,000 |
| Allowance for loan losses | 223,000 | 348,000 | 354,000 | 360,000 |
| Securities available for sale | 5,530,000 | 5,329,000 | 5,554,000 | 5,137,000 |
| Securities held to maturity | 2,850,000 | 3,071,000 | 2,981,000 | 2,901,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,208,000 | 31,461,000 | 29,675,000 | 30,068,000 |
| Interest-bearing deposits | 25,359,000 | 22,377,000 | 21,174,000 | 21,099,000 |
| Noninterest-bearing deposits | 10,849,000 | 9,084,000 | 8,501,000 | 8,969,000 |
| Equity capital | 3,893,000 | 3,852,000 | 3,954,000 | 3,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 353,000 | 712,000 | 1,035,000 | 1,382,000 |
| Interest expense | 22,000 | 44,000 | 62,000 | 84,000 |
| Net interest income | 331,000 | 668,000 | 973,000 | 1,298,000 |
| Noninterest income | 40,000 | 57,000 | 121,000 | 148,000 |
| Noninterest expense | 269,000 | 532,000 | 791,000 | 1,015,000 |
| Provision for loan losses | 15,000 | 140,000 | 146,000 | 152,000 |
| Pretax income | 87,000 | 53,000 | 152,000 | 283,000 |
| Income tax | 27,000 | 5,000 | 32,000 | 59,000 |
| Net income | 60,000 | 48,000 | 120,000 | 224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,306,000 | 3,301,000 | 3,379,000 | 3,375,000 |
| Total capital | 3,529,000 | 3,649,000 | 3,733,000 | 3,735,000 |
| Risk-weighted assets | 30,152,000 | 29,388,000 | 31,025,000 | 31,304,000 |