Call reports 2020
GENERATIONS BANK — 2020
What GENERATIONS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 349,599,000 | 372,396,000 | 368,775,000 | 373,874,000 |
| Total loans | 265,918,000 | 285,772,000 | 293,188,000 | 287,787,000 |
| Allowance for loan losses | 1,752,000 | 1,996,000 | 2,116,000 | 1,821,000 |
| Securities available for sale | 31,061,000 | 32,555,000 | 23,132,000 | 17,926,000 |
| Securities held to maturity | 1,900,000 | 1,819,000 | 1,616,000 | 1,480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,577,000 | 307,454,000 | 304,710,000 | 312,101,000 |
| Interest-bearing deposits | 245,246,000 | 255,155,000 | 252,840,000 | 246,314,000 |
| Noninterest-bearing deposits | 38,331,000 | 52,299,000 | 51,870,000 | 65,787,000 |
| Equity capital | 29,281,000 | 31,126,000 | 32,083,000 | 32,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,331,000 | 6,748,000 | 10,166,000 | 13,553,000 |
| Interest expense | 812,000 | 1,555,000 | 2,263,000 | 2,860,000 |
| Net interest income | 2,519,000 | 5,193,000 | 7,903,000 | 10,693,000 |
| Noninterest income | 676,000 | 1,577,000 | 2,180,000 | 2,755,000 |
| Noninterest expense | 3,083,000 | 5,912,000 | 8,834,000 | 11,983,000 |
| Provision for loan losses | 90,000 | 180,000 | 330,000 | 480,000 |
| Pretax income | -224,000 | 551,000 | 1,274,000 | 1,932,000 |
| Income tax | -52,000 | -224,000 | -175,000 | 169,000 |
| Net income | -172,000 | 775,000 | 1,449,000 | 1,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,535,000 | 30,394,000 | 31,595,000 | 31,941,000 |
| Total capital | 31,287,000 | 32,390,000 | 33,711,000 | 33,762,000 |
| Risk-weighted assets | 239,089,000 | 255,235,000 | 260,136,000 | 262,168,000 |