Call reports 2014
GENESEE REGIONAL BANK — 2014
What GENESEE REGIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 413,905,000 | 407,005,000 | 421,195,000 | 415,140,000 |
| Total loans | 250,326,000 | 267,665,000 | 271,648,000 | 299,424,000 |
| Allowance for loan losses | 2,393,000 | 2,685,000 | 2,627,000 | 2,583,000 |
| Securities available for sale | 93,613,000 | 68,211,000 | 89,979,000 | 66,676,000 |
| Securities held to maturity | 17,272,000 | 15,999,000 | 18,743,000 | 17,869,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,995,000 | 372,606,000 | 385,570,000 | 359,255,000 |
| Interest-bearing deposits | 338,135,000 | 324,007,000 | 329,778,000 | 303,022,000 |
| Noninterest-bearing deposits | 42,860,000 | 48,599,000 | 55,792,000 | 56,233,000 |
| Equity capital | 32,205,000 | 33,265,000 | 34,232,000 | 35,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,814,000 | 7,917,000 | 12,339,000 | 16,674,000 |
| Interest expense | 391,000 | 803,000 | 1,210,000 | 1,616,000 |
| Net interest income | 3,423,000 | 7,114,000 | 11,129,000 | 15,058,000 |
| Noninterest income | 359,000 | 1,026,000 | 1,874,000 | 2,764,000 |
| Noninterest expense | 2,564,000 | 5,291,000 | 8,129,000 | 11,160,000 |
| Provision for loan losses | 161,000 | 536,000 | 518,000 | 602,000 |
| Pretax income | 1,116,000 | 2,415,000 | 4,448,000 | 6,164,000 |
| Income tax | 369,000 | 810,000 | 1,533,000 | 2,176,000 |
| Net income | 747,000 | 1,605,000 | 2,915,000 | 3,988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,233,000 | 32,862,000 | 33,954,000 | 35,608,000 |
| Total capital | 34,626,000 | 35,547,000 | 36,581,000 | 38,191,000 |
| Risk-weighted assets | 269,853,000 | 273,707,000 | 280,313,000 | 303,480,000 |