Call reports 2025
GENESEE REGIONAL BANK — 2025
What GENESEE REGIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,254,535,000 | 1,282,291,000 | 1,316,916,000 | 1,308,838,000 |
| Total loans | 898,241,000 | 906,278,000 | 945,003,000 | 932,347,000 |
| Allowance for loan losses | 11,332,000 | 11,767,000 | 12,214,000 | 12,557,000 |
| Securities available for sale | 197,065,000 | 197,694,000 | 190,864,000 | 201,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 968,178,000 | 979,594,000 | 1,004,079,000 | 1,048,205,000 |
| Interest-bearing deposits | 785,730,000 | 794,745,000 | 818,423,000 | 876,808,000 |
| Noninterest-bearing deposits | 182,448,000 | 184,849,000 | 185,656,000 | 171,397,000 |
| Equity capital | 100,990,000 | 105,322,000 | 112,375,000 | 116,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 16,485,000 | 33,133,000 | 50,599,000 | 67,987,000 |
| Interest expense | 8,147,000 | 16,122,000 | 24,055,000 | 31,740,000 |
| Net interest income | 8,338,000 | 17,011,000 | 26,544,000 | 36,247,000 |
| Noninterest income | 2,703,000 | 7,317,000 | 11,693,000 | 15,060,000 |
| Noninterest expense | 6,811,000 | 14,072,000 | 21,168,000 | 28,828,000 |
| Provision for loan losses | 505,000 | 939,000 | 1,385,000 | 1,727,000 |
| Pretax income | 3,765,000 | 9,281,000 | 13,741,000 | 18,625,000 |
| Income tax | 801,000 | 2,048,000 | 3,006,000 | 3,449,000 |
| Net income | 2,964,000 | 7,233,000 | 10,735,000 | 15,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 121,574,000 | 125,142,000 | 128,210,000 | 131,536,000 |