Call reports 2006
GENERATIONS BANK — 2006
What GENERATIONS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Total assets | 150,052,000 | 160,579,000 |
| Total loans | 81,551,000 | 83,286,000 |
| Allowance for loan losses | 378,000 | 407,000 |
| Securities available for sale | 26,011,000 | 24,452,000 |
| Securities held to maturity | 26,103,000 | 25,339,000 |
| Trading assets | 0 | 0 |
| Total deposits | 116,566,000 | 127,997,000 |
| Interest-bearing deposits | 107,903,000 | 118,924,000 |
| Noninterest-bearing deposits | 8,663,000 | 9,073,000 |
| Equity capital | 9,253,000 | 9,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Interest income | 1,881,000 | 3,793,000 |
| Interest expense | 949,000 | 1,905,000 |
| Net interest income | 932,000 | 1,888,000 |
| Noninterest income | 543,000 | 1,006,000 |
| Noninterest expense | 1,413,000 | 2,824,000 |
| Provision for loan losses | 25,000 | 50,000 |
| Pretax income | 37,000 | 20,000 |
| Income tax | 13,000 | 2,000 |
| Net income | 24,000 | 18,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Tier 1 capital | 9,372,000 | 9,370,000 |
| Total capital | 8,943,000 | 8,942,000 |
| Risk-weighted assets | 73,458,000 | 77,839,000 |