Call reports 2012
GENESEE REGIONAL BANK — 2012
What GENESEE REGIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 298,021,000 | 306,018,000 | 334,818,000 | 334,781,000 |
| Total loans | 180,239,000 | 190,417,000 | 202,349,000 | 206,532,000 |
| Allowance for loan losses | 1,631,000 | 1,792,000 | 1,779,000 | 1,944,000 |
| Securities available for sale | 56,809,000 | 54,684,000 | 53,256,000 | 67,444,000 |
| Securities held to maturity | 17,801,000 | 17,505,000 | 17,459,000 | 17,189,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,702,000 | 263,491,000 | 305,187,000 | 303,987,000 |
| Interest-bearing deposits | 222,625,000 | 215,754,000 | 257,819,000 | 248,528,000 |
| Noninterest-bearing deposits | 33,077,000 | 47,737,000 | 47,368,000 | 55,459,000 |
| Equity capital | 28,078,000 | 28,262,000 | 28,867,000 | 29,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,140,000 | 6,422,000 | 9,816,000 | 13,289,000 |
| Interest expense | 572,000 | 1,122,000 | 1,642,000 | 2,082,000 |
| Net interest income | 2,568,000 | 5,300,000 | 8,174,000 | 11,207,000 |
| Noninterest income | 284,000 | 416,000 | 559,000 | 1,690,000 |
| Noninterest expense | 1,749,000 | 3,496,000 | 5,492,000 | 7,418,000 |
| Provision for loan losses | 101,000 | 666,000 | 877,000 | 1,020,000 |
| Pretax income | 1,070,000 | 1,706,000 | 2,802,000 | 4,873,000 |
| Income tax | 374,000 | 583,000 | 968,000 | 1,729,000 |
| Net income | 696,000 | 1,123,000 | 1,834,000 | 3,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,213,000 | 27,449,000 | 27,977,000 | 28,767,000 |
| Total capital | 28,844,000 | 29,241,000 | 29,756,000 | 30,711,000 |
| Risk-weighted assets | 191,498,000 | 201,767,000 | 211,095,000 | 220,494,000 |