Call reports 2015
GENERATIONS BANK — 2015
What GENERATIONS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 279,711,000 | 278,912,000 | 285,563,000 | 280,791,000 |
| Total loans | 200,931,000 | 198,943,000 | 203,001,000 | 204,153,000 |
| Allowance for loan losses | 2,443,000 | 2,185,000 | 2,022,000 | 2,213,000 |
| Securities available for sale | 23,683,000 | 32,839,000 | 33,116,000 | 28,136,000 |
| Securities held to maturity | 7,916,000 | 7,338,000 | 6,843,000 | 6,604,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,923,000 | 204,422,000 | 204,722,000 | 202,858,000 |
| Interest-bearing deposits | 182,976,000 | 182,425,000 | 180,819,000 | 177,477,000 |
| Noninterest-bearing deposits | 21,947,000 | 21,997,000 | 23,903,000 | 25,381,000 |
| Equity capital | 26,865,000 | 25,311,000 | 25,148,000 | 24,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,972,000 | 5,891,000 | 8,795,000 | 11,907,000 |
| Interest expense | 613,000 | 1,222,000 | 1,830,000 | 2,426,000 |
| Net interest income | 2,359,000 | 4,669,000 | 6,965,000 | 9,481,000 |
| Noninterest income | 648,000 | 1,185,000 | 1,710,000 | 2,271,000 |
| Noninterest expense | 2,538,000 | 4,944,000 | 7,389,000 | 9,892,000 |
| Provision for loan losses | 75,000 | 150,000 | 250,000 | 950,000 |
| Pretax income | 1,067,000 | 1,433,000 | 1,720,000 | 1,670,000 |
| Income tax | 296,000 | 413,000 | 493,000 | 480,000 |
| Net income | 771,000 | 1,020,000 | 1,227,000 | 1,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,419,000 | 26,617,000 | 26,141,000 | 26,656,000 |
| Total capital | 30,903,000 | 28,802,000 | 28,163,000 | 28,869,000 |
| Risk-weighted assets | 251,148,000 | 271,164,000 | 218,233,000 | 214,380,000 |