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 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|
| Total assets | 138,374,000 | 140,777,000 | 150,899,000 |
| Total loans | 67,690,000 | 68,958,000 | 70,253,000 |
| Allowance for loan losses | 328,000 | 306,000 | 322,000 |
| Securities available for sale | 35,255,000 | 34,617,000 | 37,825,000 |
| Securities held to maturity | 21,574,000 | 22,536,000 | 29,163,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 101,455,000 | 107,438,000 | 111,150,000 |
| Interest-bearing deposits | 92,106,000 | 96,696,000 | 102,856,000 |
| Noninterest-bearing deposits | 9,349,000 | 10,742,000 | 8,294,000 |
| Equity capital | 9,622,000 | 10,187,000 | 9,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|
| Interest income | 3,143,000 | 4,810,000 | 6,519,000 |
| Interest expense | 1,124,000 | 1,775,000 | 2,492,000 |
| Net interest income | 2,019,000 | 3,035,000 | 4,027,000 |
| Noninterest income | 857,000 | 1,274,000 | 1,715,000 |
| Noninterest expense | 3,168,000 | 4,548,000 | 6,007,000 |
| Provision for loan losses | 180,000 | 195,000 | 210,000 |
| Pretax income | -472,000 | -434,000 | -475,000 |
| Income tax | -196,000 | -187,000 | -209,000 |
| Net income | -276,000 | -247,000 | -266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|
| Tier 1 capital | 9,241,000 | 9,250,000 | 9,242,000 |
| Total capital | 9,127,000 | 9,039,000 | 8,972,000 |
| Risk-weighted assets | 62,118,000 | 63,796,000 | 67,398,000 |