Call reports 2016
GENESEE REGIONAL BANK — 2016
What GENESEE REGIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 463,961,000 | 476,428,000 | 489,991,000 | 540,294,000 |
| Total loans | 350,638,000 | 366,402,000 | 385,534,000 | 415,403,000 |
| Allowance for loan losses | 3,607,000 | 3,894,000 | 4,122,000 | 4,404,000 |
| Securities available for sale | 83,791,000 | 80,634,000 | 73,264,000 | 90,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,570,000 | 405,538,000 | 437,407,000 | 467,138,000 |
| Interest-bearing deposits | 350,336,000 | 338,605,000 | 357,839,000 | 396,931,000 |
| Noninterest-bearing deposits | 64,234,000 | 66,933,000 | 79,568,000 | 70,207,000 |
| Equity capital | 47,237,000 | 48,319,000 | 50,165,000 | 50,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,860,000 | 9,852,000 | 15,074,000 | 19,767,000 |
| Interest expense | 487,000 | 977,000 | 1,486,000 | 2,067,000 |
| Net interest income | 4,373,000 | 8,875,000 | 13,588,000 | 17,700,000 |
| Noninterest income | 1,291,000 | 3,094,000 | 5,119,000 | 7,983,000 |
| Noninterest expense | 3,508,000 | 7,402,000 | 11,532,000 | 15,605,000 |
| Provision for loan losses | 149,000 | 382,000 | 590,000 | 890,000 |
| Pretax income | 2,007,000 | 4,185,000 | 6,594,000 | 9,197,000 |
| Income tax | 586,000 | 1,429,000 | 2,286,000 | 3,063,000 |
| Net income | 1,421,000 | 2,756,000 | 4,308,000 | 6,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,949,000 | 47,786,000 | 49,504,000 | 50,893,000 |
| Total capital | 50,556,000 | 51,680,000 | 53,626,000 | 55,297,000 |
| Risk-weighted assets | 353,950,000 | 371,887,000 | 381,607,000 | 420,294,000 |