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 | 248,936,000 | 251,701,000 | 244,666,000 | 259,165,000 |
| Total loans | 163,579,000 | 175,365,000 | 177,741,000 | 183,592,000 |
| Allowance for loan losses | 2,521,000 | 2,570,000 | 2,650,000 | 2,601,000 |
| Securities available for sale | 54,302,000 | 53,344,000 | 47,625,000 | 42,570,000 |
| Securities held to maturity | 302,000 | 276,000 | 253,000 | 223,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,749,000 | 219,937,000 | 214,739,000 | 230,160,000 |
| Interest-bearing deposits | 194,270,000 | 189,226,000 | 189,093,000 | 193,578,000 |
| Noninterest-bearing deposits | 28,479,000 | 30,711,000 | 25,646,000 | 36,582,000 |
| Equity capital | 24,411,000 | 24,520,000 | 24,925,000 | 24,878,000 |
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 | 2,948,000 | 5,933,000 | 8,938,000 | 11,934,000 |
| Interest expense | 497,000 | 934,000 | 1,384,000 | 1,811,000 |
| Net interest income | 2,451,000 | 4,999,000 | 7,554,000 | 10,123,000 |
| Noninterest income | 541,000 | 1,100,000 | 1,648,000 | 2,200,000 |
| Noninterest expense | 1,977,000 | 3,990,000 | 5,942,000 | 7,905,000 |
| Provision for loan losses | 150,000 | 300,000 | 470,000 | 695,000 |
| Pretax income | 880,000 | 1,831,000 | 2,820,000 | 3,753,000 |
| Income tax | 258,000 | 543,000 | 836,000 | 1,104,000 |
| Net income | 622,000 | 1,288,000 | 1,984,000 | 2,649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,318,000 | 22,247,000 | 22,689,000 | 22,787,000 |
| Total capital | 24,470,000 | 24,512,000 | 24,954,000 | 25,123,000 |
| Risk-weighted assets | 171,801,000 | 180,859,000 | 180,824,000 | 186,633,000 |