Call reports 2010
REGENT BANK — 2010
What REGENT BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 155,698,000 | 151,168,000 | 151,971,000 | 155,158,000 |
| Total loans | 108,169,000 | 110,737,000 | 110,942,000 | 118,403,000 |
| Allowance for loan losses | 1,335,000 | 1,365,000 | 1,357,000 | 1,380,000 |
| Securities available for sale | 9,578,000 | 9,771,000 | 10,689,000 | 11,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,670,000 | 117,591,000 | 118,396,000 | 116,359,000 |
| Interest-bearing deposits | 109,493,000 | 103,226,000 | 106,780,000 | 103,861,000 |
| Noninterest-bearing deposits | 10,177,000 | 14,366,000 | 11,616,000 | 12,498,000 |
| Equity capital | 17,064,000 | 17,195,000 | 17,235,000 | 17,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,765,000 | 3,555,000 | 5,368,000 | 7,283,000 |
| Interest expense | 507,000 | 998,000 | 1,430,000 | 1,820,000 |
| Net interest income | 1,258,000 | 2,557,000 | 3,938,000 | 5,463,000 |
| Noninterest income | 197,000 | 415,000 | 613,000 | 822,000 |
| Noninterest expense | 1,187,000 | 2,417,000 | 3,756,000 | 5,119,000 |
| Provision for loan losses | 180,000 | 360,000 | 533,000 | 738,000 |
| Pretax income | 88,000 | 195,000 | 265,000 | 431,000 |
| Income tax | 25,000 | 58,000 | 77,000 | 132,000 |
| Net income | 63,000 | 137,000 | 188,000 | 299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,065,000 | 13,140,000 | 13,191,000 | 13,301,000 |
| Total capital | 14,400,000 | 14,505,000 | 14,548,000 | 14,681,000 |
| Risk-weighted assets | 110,250,000 | 110,655,000 | 108,931,000 | 110,950,000 |
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