Call reports 2015
GENESEE REGIONAL BANK — 2015
What GENESEE REGIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 436,468,000 | 432,076,000 | 453,239,000 | 461,038,000 |
| Total loans | 308,148,000 | 329,318,000 | 337,481,000 | 348,415,000 |
| Allowance for loan losses | 2,743,000 | 3,134,000 | 3,319,000 | 3,558,000 |
| Securities available for sale | 75,056,000 | 71,664,000 | 70,967,000 | 84,095,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,831,000 | 372,817,000 | 411,993,000 | 398,807,000 |
| Interest-bearing deposits | 342,641,000 | 317,278,000 | 341,460,000 | 331,826,000 |
| Noninterest-bearing deposits | 55,190,000 | 55,539,000 | 70,533,000 | 66,981,000 |
| Equity capital | 36,375,000 | 36,780,000 | 38,101,000 | 44,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,411,000 | 8,905,000 | 13,843,000 | 18,655,000 |
| Interest expense | 415,000 | 852,000 | 1,310,000 | 1,800,000 |
| Net interest income | 3,996,000 | 8,053,000 | 12,533,000 | 16,855,000 |
| Noninterest income | 517,000 | 1,454,000 | 2,853,000 | 4,010,000 |
| Noninterest expense | 2,880,000 | 6,166,000 | 9,574,000 | 12,975,000 |
| Provision for loan losses | 145,000 | 527,000 | 878,000 | 1,141,000 |
| Pretax income | 1,498,000 | 2,827,000 | 4,947,000 | 6,764,000 |
| Income tax | 499,000 | 978,000 | 1,746,000 | 2,339,000 |
| Net income | 999,000 | 1,849,000 | 3,201,000 | 4,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,309,000 | 36,912,000 | 38,066,000 | 44,412,000 |
| Total capital | 39,052,000 | 40,046,000 | 41,385,000 | 47,970,000 |
| Risk-weighted assets | 309,812,000 | 332,995,000 | 340,755,000 | 350,141,000 |