Call reports 2007
GENESEE REGIONAL BANK — 2007
What GENESEE REGIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 81,327,000 | 93,691,000 | 100,912,000 | 102,661,000 |
| Total loans | 65,294,000 | 67,110,000 | 72,131,000 | 73,525,000 |
| Allowance for loan losses | 636,000 | 630,000 | 697,000 | 736,000 |
| Securities available for sale | 5,623,000 | 9,191,000 | 13,224,000 | 16,101,000 |
| Securities held to maturity | 3,267,000 | 2,717,000 | 2,446,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,839,000 | 85,883,000 | 92,594,000 | 94,022,000 |
| Interest-bearing deposits | 64,148,000 | 75,311,000 | 81,581,000 | 82,111,000 |
| Noninterest-bearing deposits | 9,692,000 | 10,572,000 | 11,013,000 | 11,911,000 |
| Equity capital | 7,103,000 | 7,187,000 | 7,505,000 | 7,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,468,000 | 3,177,000 | 4,989,000 | 6,808,000 |
| Interest expense | 666,000 | 1,420,000 | 2,265,000 | 3,080,000 |
| Net interest income | 802,000 | 1,757,000 | 2,724,000 | 3,728,000 |
| Noninterest income | -24,000 | 93,000 | 307,000 | 376,000 |
| Noninterest expense | 714,000 | 1,465,000 | 2,259,000 | 3,082,000 |
| Provision for loan losses | -131,000 | -103,000 | -27,000 | 123,000 |
| Pretax income | 195,000 | 488,000 | 799,000 | 897,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 195,000 | 488,000 | 799,000 | 897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,139,000 | 7,308,000 | 7,509,000 | 7,539,000 |
| Total capital | 7,775,000 | 7,938,000 | 8,206,000 | 8,276,000 |
| Risk-weighted assets | 63,920,000 | 66,972,000 | 72,199,000 | 75,130,000 |