Call reports 2005
GENESEE REGIONAL BANK — 2005
What GENESEE REGIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 47,875,000 | 52,465,000 | 57,116,000 | 64,803,000 |
| Total loans | 37,724,000 | 42,479,000 | 46,220,000 | 49,749,000 |
| Allowance for loan losses | 696,000 | 696,000 | 727,000 | 702,000 |
| Securities available for sale | 4,030,000 | 4,089,000 | 4,761,000 | 5,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,218,000 | 46,611,000 | 51,186,000 | 58,773,000 |
| Interest-bearing deposits | 35,522,000 | 39,589,000 | 43,317,000 | 52,118,000 |
| Noninterest-bearing deposits | 6,696,000 | 7,022,000 | 7,869,000 | 6,655,000 |
| Equity capital | 5,514,000 | 5,745,000 | 5,789,000 | 5,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 690,000 | 1,428,000 | 2,299,000 | 3,285,000 |
| Interest expense | 229,000 | 475,000 | 773,000 | 1,140,000 |
| Net interest income | 461,000 | 953,000 | 1,526,000 | 2,145,000 |
| Noninterest income | 19,000 | 28,000 | 47,000 | 67,000 |
| Noninterest expense | 464,000 | 948,000 | 1,437,000 | 1,986,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 33,000 | 136,000 | 226,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 16,000 | 33,000 | 136,000 | 226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,645,000 | 5,813,000 | 5,915,000 | 6,006,000 |
| Total capital | 6,133,000 | 6,355,000 | 6,507,000 | 6,653,000 |
| Risk-weighted assets | 38,821,000 | 43,251,000 | 47,197,000 | 51,698,000 |