Call reports 2017
GENESEE REGIONAL BANK — 2017
What GENESEE REGIONAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 551,202,000 | 559,688,000 | 585,873,000 | 549,121,000 |
| Total loans | 410,911,000 | 427,568,000 | 433,994,000 | 426,180,000 |
| Allowance for loan losses | 4,535,000 | 5,012,000 | 4,670,000 | 5,340,000 |
| Securities available for sale | 94,891,000 | 95,199,000 | 97,543,000 | 89,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 497,720,000 | 458,822,000 | 488,965,000 | 476,628,000 |
| Interest-bearing deposits | 435,366,000 | 387,207,000 | 410,226,000 | 390,252,000 |
| Noninterest-bearing deposits | 62,354,000 | 71,615,000 | 78,739,000 | 86,376,000 |
| Equity capital | 52,069,000 | 53,436,000 | 55,091,000 | 55,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,717,000 | 11,555,000 | 17,590,000 | 23,805,000 |
| Interest expense | 592,000 | 1,251,000 | 2,230,000 | 3,073,000 |
| Net interest income | 5,125,000 | 10,304,000 | 15,360,000 | 20,732,000 |
| Noninterest income | 1,413,000 | 2,740,000 | 4,731,000 | 6,371,000 |
| Noninterest expense | 3,989,000 | 8,075,000 | 12,224,000 | 16,064,000 |
| Provision for loan losses | 113,000 | 590,000 | 1,181,000 | 1,845,000 |
| Pretax income | 2,438,000 | 4,381,000 | 6,708,000 | 9,029,000 |
| Income tax | 816,000 | 1,437,000 | 2,192,000 | 3,173,000 |
| Net income | 1,622,000 | 2,944,000 | 4,516,000 | 5,856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,583,000 | 53,157,000 | 54,710,000 | 55,552,000 |
| Total capital | 57,118,000 | 58,169,000 | 59,380,000 | 60,843,000 |
| Risk-weighted assets | 414,675,000 | 425,776,000 | 430,418,000 | 423,197,000 |