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 | 268,291,000 | 266,607,000 | 268,132,000 | 273,456,000 |
| Total loans | 199,441,000 | 198,853,000 | 202,739,000 | 203,892,000 |
| Allowance for loan losses | 1,970,000 | 2,089,000 | 2,209,000 | 2,322,000 |
| Securities available for sale | 23,961,000 | 22,435,000 | 22,153,000 | 21,970,000 |
| Securities held to maturity | 12,397,000 | 11,677,000 | 11,050,000 | 10,407,000 |
| Trading assets | 1,110,000 | 1,088,000 | 1,063,000 | 1,041,000 |
| Total deposits | 201,993,000 | 201,771,000 | 199,064,000 | 202,209,000 |
| Interest-bearing deposits | 179,293,000 | 179,444,000 | 175,059,000 | 178,075,000 |
| Noninterest-bearing deposits | 22,700,000 | 22,327,000 | 24,005,000 | 24,134,000 |
| Equity capital | 25,584,000 | 24,308,000 | 24,792,000 | 25,480,000 |
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 | 3,031,000 | 5,984,000 | 8,961,000 | 11,993,000 |
| Interest expense | 588,000 | 1,173,000 | 1,748,000 | 2,281,000 |
| Net interest income | 2,443,000 | 4,811,000 | 7,213,000 | 9,712,000 |
| Noninterest income | 598,000 | 1,215,000 | 1,745,000 | 2,389,000 |
| Noninterest expense | 2,139,000 | 4,237,000 | 6,404,000 | 8,675,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 752,000 | 1,489,000 | 2,104,000 | 2,826,000 |
| Income tax | 254,000 | 512,000 | 717,000 | 963,000 |
| Net income | 498,000 | 977,000 | 1,387,000 | 1,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,328,000 | 26,722,000 | 27,145,000 | 26,636,000 |
| Total capital | 29,303,000 | 28,816,000 | 29,359,000 | 28,959,000 |
| Risk-weighted assets | 211,064,000 | 214,649,000 | 220,056,000 | 225,900,000 |