Call reports 2009
REGENT BANK — 2009
What REGENT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 136,685,000 | 134,389,000 | 138,374,000 | 148,959,000 |
| Total loans | 97,099,000 | 100,309,000 | 104,714,000 | 108,774,000 |
| Allowance for loan losses | 1,173,000 | 1,254,000 | 1,129,000 | 1,331,000 |
| Securities available for sale | 16,881,000 | 13,416,000 | 11,554,000 | 11,702,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,323,000 | 100,202,000 | 101,390,000 | 113,041,000 |
| Interest-bearing deposits | 97,840,000 | 90,243,000 | 89,482,000 | 102,405,000 |
| Noninterest-bearing deposits | 9,483,000 | 9,959,000 | 11,908,000 | 10,636,000 |
| Equity capital | 16,911,000 | 16,873,000 | 16,999,000 | 17,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,709,000 | 3,476,000 | 5,210,000 | 7,072,000 |
| Interest expense | 567,000 | 1,092,000 | 1,587,000 | 2,088,000 |
| Net interest income | 1,142,000 | 2,384,000 | 3,623,000 | 4,984,000 |
| Noninterest income | 191,000 | 366,000 | 547,000 | 852,000 |
| Noninterest expense | 1,164,000 | 2,383,000 | 3,548,000 | 4,820,000 |
| Provision for loan losses | 843,000 | 993,000 | 1,123,000 | 1,388,000 |
| Pretax income | -674,000 | -626,000 | -501,000 | -372,000 |
| Income tax | -275,000 | -264,000 | -224,000 | -114,000 |
| Net income | -399,000 | -362,000 | -277,000 | -258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,688,000 | 12,736,000 | 12,984,000 | 13,003,000 |
| Total capital | 13,836,000 | 13,934,000 | 14,113,000 | 14,334,000 |
| Risk-weighted assets | 91,840,000 | 95,814,000 | 98,174,000 | 110,382,000 |
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