Call reports 2013
GENESEE REGIONAL BANK — 2013
What GENESEE REGIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 352,596,000 | 345,893,000 | 378,311,000 | 377,819,000 |
| Total loans | 209,218,000 | 220,757,000 | 224,091,000 | 233,509,000 |
| Allowance for loan losses | 2,067,000 | 2,191,000 | 2,169,000 | 2,253,000 |
| Securities available for sale | 79,506,000 | 74,512,000 | 78,167,000 | 100,346,000 |
| Securities held to maturity | 17,145,000 | 16,326,000 | 17,986,000 | 17,362,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,438,000 | 314,628,000 | 346,838,000 | 339,722,000 |
| Interest-bearing deposits | 270,404,000 | 267,806,000 | 297,671,000 | 295,325,000 |
| Noninterest-bearing deposits | 51,034,000 | 46,822,000 | 49,167,000 | 44,397,000 |
| Equity capital | 30,285,000 | 30,689,000 | 30,556,000 | 31,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,376,000 | 6,964,000 | 10,545,000 | 14,370,000 |
| Interest expense | 368,000 | 728,000 | 1,094,000 | 1,486,000 |
| Net interest income | 3,008,000 | 6,236,000 | 9,451,000 | 12,884,000 |
| Noninterest income | 175,000 | 359,000 | 547,000 | 956,000 |
| Noninterest expense | 1,941,000 | 3,874,000 | 5,760,000 | 7,832,000 |
| Provision for loan losses | 64,000 | 177,000 | 112,000 | 169,000 |
| Pretax income | 1,151,000 | 2,509,000 | 4,140,000 | 5,849,000 |
| Income tax | 390,000 | 861,000 | 1,442,000 | 2,137,000 |
| Net income | 761,000 | 1,648,000 | 2,698,000 | 3,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,330,000 | 30,111,000 | 30,984,000 | 31,779,000 |
| Total capital | 31,397,000 | 32,302,000 | 33,153,000 | 34,032,000 |
| Risk-weighted assets | 230,613,000 | 237,980,000 | 245,664,000 | 254,148,000 |