Call reports 2008
REGENT BANK — 2008
What REGENT BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 97,560,000 | 113,207,000 | 119,486,000 | 136,181,000 |
| Total loans | 66,485,000 | 77,283,000 | 81,660,000 | 94,657,000 |
| Allowance for loan losses | 797,000 | 847,000 | 889,000 | 1,506,000 |
| Securities available for sale | 20,866,000 | 19,395,000 | 19,170,000 | 19,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,918,000 | 76,561,000 | 88,646,000 | 105,219,000 |
| Interest-bearing deposits | 70,132,000 | 69,525,000 | 80,010,000 | 93,824,000 |
| Noninterest-bearing deposits | 8,786,000 | 7,036,000 | 8,636,000 | 11,395,000 |
| Equity capital | 7,805,000 | 14,889,000 | 15,141,000 | 14,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,579,000 | 1,793,000 | 3,578,000 | 5,451,000 |
| Interest expense | 613,000 | 588,000 | 1,203,000 | 1,832,000 |
| Net interest income | 966,000 | 1,205,000 | 2,375,000 | 3,619,000 |
| Noninterest income | 332,000 | 148,000 | 311,000 | 472,000 |
| Noninterest expense | 1,021,000 | 1,126,000 | 2,401,000 | 3,861,000 |
| Provision for loan losses | 212,000 | 50,000 | 123,000 | 727,000 |
| Pretax income | 65,000 | 177,000 | 162,000 | -497,000 |
| Income tax | 17,000 | 59,000 | -3,000 | -295,000 |
| Net income | 48,000 | 118,000 | 165,000 | -202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,798,000 | 11,507,000 | 11,358,000 | 10,954,000 |
| Total capital | 8,579,000 | 12,354,000 | 12,247,000 | 12,065,000 |
| Risk-weighted assets | 62,494,000 | 69,309,000 | 76,867,000 | 88,502,000 |
Machine access — free, no API key
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