Call reports 2003
GENERATIONS BANK — 2003
What GENERATIONS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 38,457,000 | 39,611,000 | 37,930,000 | 38,475,000 |
| Total loans | 22,299,000 | 22,217,000 | 22,842,000 | 21,805,000 |
| Allowance for loan losses | 306,000 | 317,000 | 313,000 | 323,000 |
| Securities available for sale | 3,615,000 | 5,598,000 | 5,466,000 | 7,411,000 |
| Securities held to maturity | 7,828,000 | 8,840,000 | 4,733,000 | 3,208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,422,000 | 33,701,000 | 32,825,000 | 33,389,000 |
| Interest-bearing deposits | 29,062,000 | 28,664,000 | 28,304,000 | 28,862,000 |
| Noninterest-bearing deposits | 4,360,000 | 5,037,000 | 4,521,000 | 4,527,000 |
| Equity capital | 4,084,000 | 4,209,000 | 4,268,000 | 4,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 531,000 | 1,050,000 | 1,574,000 | 2,056,000 |
| Interest expense | 168,000 | 320,000 | 464,000 | 596,000 |
| Net interest income | 363,000 | 730,000 | 1,110,000 | 1,460,000 |
| Noninterest income | 58,000 | 112,000 | 163,000 | 212,000 |
| Noninterest expense | 244,000 | 468,000 | 690,000 | 894,000 |
| Provision for loan losses | 10,000 | 30,000 | 48,000 | 70,000 |
| Pretax income | 167,000 | 370,000 | 569,000 | 743,000 |
| Income tax | 57,000 | 126,000 | 193,000 | 253,000 |
| Net income | 110,000 | 244,000 | 376,000 | 490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,047,000 | 4,156,000 | 4,287,000 | 4,352,000 |
| Total capital | 4,352,000 | 4,466,000 | 4,598,000 | 4,652,000 |
| Risk-weighted assets | 24,068,000 | 24,431,000 | 24,747,000 | 23,862,000 |
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