Call reports 2011
GENESEE REGIONAL BANK — 2011
What GENESEE REGIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 262,657,000 | 257,318,000 | 271,829,000 | 283,337,000 |
| Total loans | 164,696,000 | 161,979,000 | 159,409,000 | 170,016,000 |
| Allowance for loan losses | 1,549,000 | 1,614,000 | 1,587,000 | 1,479,000 |
| Securities available for sale | 61,892,000 | 55,748,000 | 55,928,000 | 52,612,000 |
| Securities held to maturity | 13,728,000 | 14,073,000 | 17,548,000 | 17,848,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,096,000 | 210,710,000 | 225,550,000 | 236,949,000 |
| Interest-bearing deposits | 186,035,000 | 180,153,000 | 195,266,000 | 196,841,000 |
| Noninterest-bearing deposits | 31,061,000 | 30,557,000 | 30,284,000 | 40,108,000 |
| Equity capital | 19,172,000 | 20,064,000 | 27,594,000 | 27,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,096,000 | 6,256,000 | 9,350,000 | 12,389,000 |
| Interest expense | 635,000 | 1,227,000 | 1,777,000 | 2,290,000 |
| Net interest income | 2,461,000 | 5,029,000 | 7,573,000 | 10,099,000 |
| Noninterest income | 151,000 | 319,000 | 461,000 | 471,000 |
| Noninterest expense | 1,595,000 | 3,259,000 | 4,902,000 | 6,560,000 |
| Provision for loan losses | 120,000 | 183,000 | 183,000 | 427,000 |
| Pretax income | 824,000 | 2,016,000 | 3,030,000 | 3,619,000 |
| Income tax | 290,000 | 731,000 | 1,094,000 | 1,289,000 |
| Net income | 534,000 | 1,285,000 | 1,936,000 | 2,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,519,000 | 19,191,000 | 26,644,000 | 26,851,000 |
| Total capital | 20,068,000 | 20,805,000 | 28,231,000 | 28,330,000 |
| Risk-weighted assets | 175,899,000 | 170,575,000 | 167,825,000 | 169,272,000 |