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 | 279,549,000 | 279,855,000 | 277,922,000 | 273,384,000 |
| Total loans | 199,918,000 | 198,997,000 | 200,439,000 | 207,711,000 |
| Allowance for loan losses | 1,887,000 | 1,705,000 | 1,615,000 | 3,150,000 |
| Securities available for sale | 28,285,000 | 29,172,000 | 22,278,000 | 19,230,000 |
| Securities held to maturity | 6,369,000 | 6,012,000 | 5,715,000 | 5,447,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,125,000 | 204,194,000 | 204,772,000 | 202,652,000 |
| Interest-bearing deposits | 179,343,000 | 180,575,000 | 177,214,000 | 178,073,000 |
| Noninterest-bearing deposits | 21,782,000 | 23,619,000 | 27,558,000 | 24,579,000 |
| Equity capital | 24,749,000 | 25,328,000 | 25,471,000 | 25,112,000 |
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 | 2,865,000 | 5,560,000 | 8,264,000 | 11,030,000 |
| Interest expense | 579,000 | 1,171,000 | 1,757,000 | 2,330,000 |
| Net interest income | 2,286,000 | 4,389,000 | 6,507,000 | 8,700,000 |
| Noninterest income | 554,000 | 1,132,000 | 1,695,000 | 2,257,000 |
| Noninterest expense | 2,636,000 | 5,186,000 | 7,784,000 | 10,548,000 |
| Provision for loan losses | 150,000 | 320,000 | 470,000 | 2,315,000 |
| Pretax income | 60,000 | 111,000 | 107,000 | -1,775,000 |
| Income tax | 3,000 | 8,000 | 0 | -718,000 |
| Net income | 57,000 | 103,000 | 107,000 | -1,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,018,000 | 27,467,000 | 27,550,000 | 25,642,000 |
| Total capital | 28,905,000 | 29,172,000 | 29,165,000 | 28,243,000 |
| Risk-weighted assets | 209,545,000 | 208,532,000 | 206,783,000 | 207,601,000 |