Call reports 2013
GENERATIONS BANK — 2013
What GENERATIONS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 252,319,000 | 261,607,000 | 256,367,000 | 261,062,000 |
| Total loans | 183,001,000 | 193,611,000 | 193,686,000 | 201,121,000 |
| Allowance for loan losses | 2,823,000 | 2,847,000 | 2,865,000 | 3,522,000 |
| Securities available for sale | 41,312,000 | 44,355,000 | 40,398,000 | 37,622,000 |
| Securities held to maturity | 195,000 | 165,000 | 142,000 | 124,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,924,000 | 218,418,000 | 215,971,000 | 223,148,000 |
| Interest-bearing deposits | 191,863,000 | 189,568,000 | 186,312,000 | 193,455,000 |
| Noninterest-bearing deposits | 31,061,000 | 28,850,000 | 29,659,000 | 29,693,000 |
| Equity capital | 25,101,000 | 24,714,000 | 26,287,000 | 26,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,936,000 | 5,930,000 | 8,991,000 | 12,083,000 |
| Interest expense | 392,000 | 764,000 | 1,131,000 | 1,524,000 |
| Net interest income | 2,544,000 | 5,166,000 | 7,860,000 | 10,559,000 |
| Noninterest income | 658,000 | 1,383,000 | 2,043,000 | 3,476,000 |
| Noninterest expense | 2,170,000 | 4,457,000 | 6,753,000 | 9,294,000 |
| Provision for loan losses | 225,000 | 375,000 | 550,000 | 1,260,000 |
| Pretax income | 813,000 | 1,725,000 | 2,608,000 | 3,492,000 |
| Income tax | 237,000 | 513,000 | 783,000 | 1,021,000 |
| Net income | 576,000 | 1,212,000 | 1,825,000 | 2,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,113,000 | 23,193,000 | 25,334,000 | 25,779,000 |
| Total capital | 25,462,000 | 25,657,000 | 27,760,000 | 28,281,000 |
| Risk-weighted assets | 187,433,000 | 196,749,000 | 193,640,000 | 199,137,000 |
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