Call reports 2001
GENESEE REGIONAL BANK — 2001
What GENESEE REGIONAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 46,154,000 | 46,680,000 | 48,040,000 | 47,767,000 |
| Total loans | 37,329,000 | 37,672,000 | 39,506,000 | 40,706,000 |
| Allowance for loan losses | 373,000 | 382,000 | 580,000 | 1,375,000 |
| Securities available for sale | 4,202,000 | 4,115,000 | 4,217,000 | 4,133,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,761,000 | 42,127,000 | 43,413,000 | 44,073,000 |
| Interest-bearing deposits | 38,009,000 | 39,082,000 | 40,294,000 | 40,804,000 |
| Noninterest-bearing deposits | 3,752,000 | 3,045,000 | 3,119,000 | 3,269,000 |
| Equity capital | 4,238,000 | 4,116,000 | 3,994,000 | 3,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 941,000 | 1,863,000 | 2,805,000 | 3,711,000 |
| Interest expense | 563,000 | 1,102,000 | 1,598,000 | 2,046,000 |
| Net interest income | 378,000 | 761,000 | 1,207,000 | 1,665,000 |
| Noninterest income | 30,000 | 78,000 | 115,000 | 145,000 |
| Noninterest expense | 450,000 | 927,000 | 1,365,000 | 1,766,000 |
| Provision for loan losses | 49,000 | 116,000 | 404,000 | 1,372,000 |
| Pretax income | -91,000 | -204,000 | -447,000 | -1,277,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -91,000 | -204,000 | -447,000 | -1,277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,215,000 | 4,101,000 | 3,858,000 | 3,028,000 |
| Total capital | 4,588,000 | 4,483,000 | 4,384,000 | 3,569,000 |
| Risk-weighted assets | 40,897,000 | 40,788,000 | 42,027,000 | 42,438,000 |