Call reports 2019
GENESEE REGIONAL BANK — 2019
What GENESEE REGIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 575,685,000 | 610,789,000 | 596,514,000 | 574,696,000 |
| Total loans | 429,919,000 | 450,440,000 | 447,143,000 | 440,140,000 |
| Allowance for loan losses | 5,494,000 | 5,306,000 | 5,522,000 | 5,523,000 |
| Securities available for sale | 100,757,000 | 100,399,000 | 95,795,000 | 84,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 512,966,000 | 505,166,000 | 497,898,000 | 494,056,000 |
| Interest-bearing deposits | 414,070,000 | 388,674,000 | 394,723,000 | 380,776,000 |
| Noninterest-bearing deposits | 98,896,000 | 116,492,000 | 103,175,000 | 113,280,000 |
| Equity capital | 60,739,000 | 63,411,000 | 66,219,000 | 68,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,849,000 | 14,024,000 | 21,200,000 | 28,151,000 |
| Interest expense | 1,503,000 | 3,022,000 | 4,657,000 | 6,073,000 |
| Net interest income | 5,346,000 | 11,002,000 | 16,543,000 | 22,078,000 |
| Noninterest income | 993,000 | 2,150,000 | 4,178,000 | 6,432,000 |
| Noninterest expense | 4,243,000 | 8,551,000 | 12,637,000 | 16,647,000 |
| Provision for loan losses | 421,000 | 596,000 | 804,000 | 788,000 |
| Pretax income | 1,675,000 | 4,005,000 | 7,280,000 | 10,956,000 |
| Income tax | 332,000 | 805,000 | 1,497,000 | 2,110,000 |
| Net income | 1,343,000 | 3,200,000 | 5,783,000 | 8,846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,930,000 | 62,172,000 | 64,648,000 | 66,859,000 |
| Total capital | 66,172,000 | 67,478,000 | 70,151,000 | 72,225,000 |
| Risk-weighted assets | 419,138,000 | 439,222,000 | 440,194,000 | 429,085,000 |