Call reports 2009
GENESEE REGIONAL BANK — 2009
What GENESEE REGIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 156,762,000 | 179,814,000 | 182,043,000 | 205,124,000 |
| Total loans | 101,807,000 | 107,213,000 | 111,576,000 | 130,065,000 |
| Allowance for loan losses | 911,000 | 991,000 | 1,057,000 | 1,065,000 |
| Securities available for sale | 38,604,000 | 53,812,000 | 53,168,000 | 45,439,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,729,000 | 150,576,000 | 143,455,000 | 166,625,000 |
| Interest-bearing deposits | 112,178,000 | 126,751,000 | 119,914,000 | 143,734,000 |
| Noninterest-bearing deposits | 16,551,000 | 23,825,000 | 23,541,000 | 22,891,000 |
| Equity capital | 11,218,000 | 12,443,000 | 13,640,000 | 13,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,009,000 | 4,187,000 | 6,517,000 | 8,895,000 |
| Interest expense | 775,000 | 1,475,000 | 2,106,000 | 2,712,000 |
| Net interest income | 1,234,000 | 2,712,000 | 4,411,000 | 6,183,000 |
| Noninterest income | 65,000 | 173,000 | 282,000 | 816,000 |
| Noninterest expense | 1,044,000 | 2,290,000 | 3,479,000 | 5,001,000 |
| Provision for loan losses | 115,000 | 210,000 | 315,000 | 966,000 |
| Pretax income | 279,000 | 524,000 | 1,093,000 | 1,205,000 |
| Income tax | 51,000 | 130,000 | 330,000 | 348,000 |
| Net income | 228,000 | 394,000 | 763,000 | 857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,300,000 | 12,966,000 | 13,827,000 | 13,899,000 |
| Total capital | 12,211,000 | 13,957,000 | 14,884,000 | 14,964,000 |
| Risk-weighted assets | 115,134,000 | 120,790,000 | 126,274,000 | 143,501,000 |