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 | 64,293,000 | 64,370,000 | 65,435,000 | 70,207,000 |
| Total loans | 47,503,000 | 49,166,000 | 47,781,000 | 48,940,000 |
| Allowance for loan losses | 590,000 | 630,000 | 650,000 | 633,000 |
| Securities available for sale | 6,509,000 | 7,299,000 | 6,859,000 | 6,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,522,000 | 56,355,000 | 57,253,000 | 59,385,000 |
| Interest-bearing deposits | 46,828,000 | 45,262,000 | 45,075,000 | 46,047,000 |
| Noninterest-bearing deposits | 9,693,000 | 11,092,000 | 12,178,000 | 13,338,000 |
| Equity capital | 7,608,000 | 7,776,000 | 7,912,000 | 8,085,000 |
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 | 748,000 | 1,514,000 | 2,276,000 | 2,998,000 |
| Interest expense | 104,000 | 197,000 | 282,000 | 365,000 |
| Net interest income | 644,000 | 1,317,000 | 1,994,000 | 2,633,000 |
| Noninterest income | 149,000 | 297,000 | 441,000 | 600,000 |
| Noninterest expense | 598,000 | 1,222,000 | 1,841,000 | 2,441,000 |
| Provision for loan losses | 30,000 | 105,000 | 125,000 | 145,000 |
| Pretax income | 165,000 | 287,000 | 469,000 | 647,000 |
| Income tax | 15,000 | 16,000 | 26,000 | 36,000 |
| Net income | 150,000 | 271,000 | 443,000 | 611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,476,000 | 7,604,000 | 7,700,000 | 7,873,000 |
| Total capital | 8,066,000 | 8,234,000 | 8,333,000 | 8,506,000 |
| Risk-weighted assets | 50,376,000 | 51,624,000 | 50,654,000 | 52,073,000 |