Call reports 2005
REGENT BANK — 2005
What REGENT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 75,587,000 | 76,721,000 | 75,582,000 | 77,549,000 |
| Total loans | 44,101,000 | 45,451,000 | 44,926,000 | 45,204,000 |
| Allowance for loan losses | 596,000 | 606,000 | 364,000 | 364,000 |
| Securities available for sale | 22,437,000 | 22,463,000 | 21,566,000 | 23,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,216,000 | 55,222,000 | 55,011,000 | 57,140,000 |
| Interest-bearing deposits | 48,840,000 | 49,022,000 | 50,121,000 | 51,754,000 |
| Noninterest-bearing deposits | 4,376,000 | 6,200,000 | 4,890,000 | 5,386,000 |
| Equity capital | 7,066,000 | 7,734,000 | 7,526,000 | 7,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,130,000 | 2,776,000 | 3,958,000 | 5,201,000 |
| Interest expense | 369,000 | 757,000 | 1,204,000 | 1,711,000 |
| Net interest income | 761,000 | 2,019,000 | 2,754,000 | 3,490,000 |
| Noninterest income | 170,000 | 330,000 | 479,000 | 645,000 |
| Noninterest expense | 799,000 | 1,614,000 | 2,440,000 | 3,407,000 |
| Provision for loan losses | 0 | 0 | 190,000 | 190,000 |
| Pretax income | 132,000 | 735,000 | 603,000 | 538,000 |
| Income tax | 42,000 | 262,000 | 205,000 | 170,000 |
| Net income | 541,000 | 924,000 | 849,000 | 819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,008,000 | 7,703,000 | 7,553,000 | 7,302,000 |
| Total capital | 7,505,000 | 8,251,000 | 7,917,000 | 7,666,000 |
| Risk-weighted assets | 39,663,000 | 43,806,000 | 42,072,000 | 43,544,000 |
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