Call reports 2016
GENERATIONS BANK — 2016
What GENERATIONS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 385,785,000 | 393,346,000 | 391,316,000 | 403,479,000 |
| Total loans | 276,256,000 | 275,301,000 | 276,241,000 | 289,208,000 |
| Allowance for loan losses | 3,698,000 | 3,284,000 | 3,145,000 | 3,654,000 |
| Securities available for sale | 63,939,000 | 81,901,000 | 78,326,000 | 79,918,000 |
| Securities held to maturity | 30,000 | 24,000 | 18,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,924,000 | 338,241,000 | 330,868,000 | 344,563,000 |
| Interest-bearing deposits | 290,842,000 | 297,532,000 | 288,144,000 | 299,213,000 |
| Noninterest-bearing deposits | 42,082,000 | 40,709,000 | 42,724,000 | 45,350,000 |
| Equity capital | 35,412,000 | 37,608,000 | 38,154,000 | 37,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,039,000 | 8,149,000 | 12,269,000 | 17,003,000 |
| Interest expense | 570,000 | 1,186,000 | 1,826,000 | 2,460,000 |
| Net interest income | 3,469,000 | 6,963,000 | 10,443,000 | 14,543,000 |
| Noninterest income | 939,000 | 1,932,000 | 2,868,000 | 3,698,000 |
| Noninterest expense | 3,156,000 | 6,539,000 | 9,906,000 | 13,169,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 1,010,000 |
| Pretax income | 1,102,000 | 2,056,000 | 2,993,000 | 4,100,000 |
| Income tax | 344,000 | 624,000 | 892,000 | 1,219,000 |
| Net income | 758,000 | 1,432,000 | 2,101,000 | 2,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,161,000 | 36,178,000 | 36,869,000 | 37,249,000 |
| Total capital | 37,814,000 | 39,462,000 | 40,014,000 | 40,903,000 |
| Risk-weighted assets | 292,213,000 | 294,939,000 | 298,211,000 | 303,622,000 |