Call reports 2018
GENESEE REGIONAL BANK — 2018
What GENESEE REGIONAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 547,524,000 | 573,633,000 | 581,957,000 | 581,669,000 |
| Total loans | 416,934,000 | 429,411,000 | 434,691,000 | 433,032,000 |
| Allowance for loan losses | 5,684,000 | 6,064,000 | 5,704,000 | 5,051,000 |
| Securities available for sale | 93,749,000 | 101,269,000 | 104,753,000 | 101,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 480,364,000 | 489,858,000 | 512,535,000 | 480,239,000 |
| Interest-bearing deposits | 389,386,000 | 394,713,000 | 395,005,000 | 379,665,000 |
| Noninterest-bearing deposits | 90,978,000 | 95,145,000 | 117,530,000 | 100,574,000 |
| Equity capital | 55,870,000 | 56,772,000 | 56,963,000 | 58,643,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,978,000 | 12,297,000 | 18,826,000 | 25,807,000 |
| Interest expense | 899,000 | 1,965,000 | 3,240,000 | 4,705,000 |
| Net interest income | 5,079,000 | 10,332,000 | 15,586,000 | 21,102,000 |
| Noninterest income | 876,000 | 2,247,000 | 4,098,000 | 3,760,000 |
| Noninterest expense | 3,854,000 | 8,099,000 | 12,722,000 | 15,432,000 |
| Provision for loan losses | 351,000 | 726,000 | 2,119,000 | 2,672,000 |
| Pretax income | 1,750,000 | 3,750,000 | 4,810,000 | 6,725,000 |
| Income tax | 314,000 | 691,000 | 889,000 | 1,304,000 |
| Net income | 1,436,000 | 3,059,000 | 3,921,000 | 5,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,975,000 | 58,073,000 | 58,887,000 | 59,872,000 |
| Total capital | 62,117,000 | 63,387,000 | 64,260,000 | 64,923,000 |
| Risk-weighted assets | 410,855,000 | 424,369,000 | 429,538,000 | 427,039,000 |