Call reports 2010
GENESEE REGIONAL BANK — 2010
What GENESEE REGIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 228,817,000 | 218,123,000 | 222,145,000 | 270,163,000 |
| Total loans | 133,755,000 | 142,071,000 | 144,999,000 | 155,242,000 |
| Allowance for loan losses | 1,253,000 | 1,333,000 | 1,327,000 | 1,424,000 |
| Securities available for sale | 49,251,000 | 54,112,000 | 45,603,000 | 56,281,000 |
| Securities held to maturity | 1,807,000 | 4,199,000 | 9,283,000 | 11,877,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,050,000 | 176,557,000 | 176,610,000 | 224,692,000 |
| Interest-bearing deposits | 167,886,000 | 147,855,000 | 151,165,000 | 197,533,000 |
| Noninterest-bearing deposits | 22,163,000 | 28,702,000 | 25,445,000 | 27,159,000 |
| Equity capital | 14,184,000 | 16,348,000 | 18,100,000 | 18,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,600,000 | 5,329,000 | 8,090,000 | 11,047,000 |
| Interest expense | 663,000 | 1,315,000 | 1,908,000 | 2,528,000 |
| Net interest income | 1,937,000 | 4,014,000 | 6,182,000 | 8,519,000 |
| Noninterest income | 150,000 | 519,000 | 803,000 | 1,142,000 |
| Noninterest expense | 1,385,000 | 2,828,000 | 4,335,000 | 5,925,000 |
| Provision for loan losses | 277,000 | 379,000 | 418,000 | 514,000 |
| Pretax income | 380,000 | 1,254,000 | 2,254,000 | 3,165,000 |
| Income tax | 145,000 | 466,000 | 820,000 | 1,131,000 |
| Net income | 235,000 | 788,000 | 1,434,000 | 2,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,266,000 | 15,956,000 | 17,607,000 | 18,026,000 |
| Total capital | 15,519,000 | 17,289,000 | 18,934,000 | 19,450,000 |
| Risk-weighted assets | 146,726,000 | 155,220,000 | 156,321,000 | 167,360,000 |