Call reports 2006
GENESEE REGIONAL BANK — 2006
What GENESEE REGIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 71,882,000 | 67,149,000 | 73,784,000 | 77,636,000 |
| Total loans | 53,552,000 | 55,775,000 | 57,597,000 | 61,239,000 |
| Allowance for loan losses | 733,000 | 699,000 | 730,000 | 749,000 |
| Securities available for sale | 5,150,000 | 5,103,000 | 5,913,000 | 6,147,000 |
| Securities held to maturity | 0 | 1,480,000 | 2,724,000 | 2,953,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,532,000 | 60,689,000 | 66,895,000 | 70,373,000 |
| Interest-bearing deposits | 58,022,000 | 53,162,000 | 58,666,000 | 62,223,000 |
| Noninterest-bearing deposits | 7,510,000 | 7,527,000 | 8,229,000 | 8,150,000 |
| Equity capital | 6,213,000 | 6,298,000 | 6,633,000 | 6,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,087,000 | 2,384,000 | 3,679,000 | 5,140,000 |
| Interest expense | 416,000 | 941,000 | 1,483,000 | 2,105,000 |
| Net interest income | 671,000 | 1,443,000 | 2,196,000 | 3,035,000 |
| Noninterest income | 21,000 | 72,000 | 223,000 | 333,000 |
| Noninterest expense | 557,000 | 1,155,000 | 1,810,000 | 2,463,000 |
| Provision for loan losses | 0 | 0 | 0 | 38,000 |
| Pretax income | 135,000 | 360,000 | 609,000 | 867,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 135,000 | 360,000 | 609,000 | 867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,398,000 | 6,519,000 | 6,716,000 | 6,966,000 |
| Total capital | 7,087,000 | 7,206,000 | 7,429,000 | 7,714,000 |
| Risk-weighted assets | 55,044,000 | 54,943,000 | 56,894,000 | 60,421,000 |