Call reports 2004
GENERATIONS BANK — 2004
What GENERATIONS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 38,238,000 | 37,081,000 | 38,010,000 | 36,397,000 |
| Total loans | 21,308,000 | 20,379,000 | 19,560,000 | 18,882,000 |
| Allowance for loan losses | 354,000 | 378,000 | 365,000 | 379,000 |
| Securities available for sale | 7,458,000 | 9,199,000 | 9,363,000 | 11,427,000 |
| Securities held to maturity | 3,185,000 | 3,094,000 | 3,053,000 | 2,987,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,001,000 | 31,828,000 | 32,760,000 | 31,166,000 |
| Interest-bearing deposits | 27,949,000 | 27,585,000 | 27,156,000 | 26,953,000 |
| Noninterest-bearing deposits | 5,052,000 | 4,243,000 | 5,604,000 | 4,213,000 |
| Equity capital | 4,469,000 | 4,384,000 | 4,621,000 | 4,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 478,000 | 933,000 | 1,388,000 | 1,839,000 |
| Interest expense | 122,000 | 237,000 | 355,000 | 483,000 |
| Net interest income | 356,000 | 696,000 | 1,033,000 | 1,356,000 |
| Noninterest income | 56,000 | 134,000 | 198,000 | 263,000 |
| Noninterest expense | 227,000 | 451,000 | 660,000 | 871,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 162,000 | 334,000 | 503,000 | 658,000 |
| Income tax | 55,000 | 109,000 | 163,000 | 209,000 |
| Net income | 107,000 | 225,000 | 340,000 | 449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,459,000 | 4,527,000 | 4,643,000 | 4,702,000 |
| Total capital | 4,765,000 | 4,822,000 | 4,933,000 | 4,983,000 |
| Risk-weighted assets | 24,357,000 | 23,480,000 | 23,121,000 | 22,346,000 |
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