Call reports 2007
REGENT BANK — 2007
What REGENT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 81,144,000 | 78,127,000 | 82,692,000 | 92,544,000 |
| Total loans | 46,207,000 | 44,360,000 | 49,946,000 | 60,118,000 |
| Allowance for loan losses | 490,000 | 520,000 | 550,000 | 579,000 |
| Securities available for sale | 26,026,000 | 24,046,000 | 22,963,000 | 22,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,611,000 | 61,173,000 | 64,044,000 | 72,005,000 |
| Interest-bearing deposits | 55,677,000 | 56,246,000 | 57,907,000 | 65,856,000 |
| Noninterest-bearing deposits | 5,934,000 | 4,927,000 | 6,137,000 | 6,149,000 |
| Equity capital | 7,843,000 | 7,465,000 | 7,682,000 | 7,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,460,000 | 2,815,000 | 4,299,000 | 5,805,000 |
| Interest expense | 670,000 | 1,352,000 | 2,010,000 | 2,673,000 |
| Net interest income | 790,000 | 1,463,000 | 2,289,000 | 3,132,000 |
| Noninterest income | 250,000 | 407,000 | 562,000 | 717,000 |
| Noninterest expense | 800,000 | 1,618,000 | 2,703,000 | 3,849,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 210,000 | 192,000 | 58,000 | -120,000 |
| Income tax | 71,000 | 56,000 | -2,000 | -77,000 |
| Net income | 139,000 | 136,000 | 60,000 | -43,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,957,000 | 7,955,000 | 7,879,000 | 7,750,000 |
| Total capital | 8,447,000 | 8,475,000 | 8,429,000 | 8,329,000 |
| Risk-weighted assets | 43,121,000 | 45,440,000 | 52,155,000 | 60,213,000 |
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