Call reports 2012
REGENT BANK — 2012
What REGENT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 172,181,000 | 167,312,000 | 175,310,000 | 188,771,000 |
| Total loans | 136,375,000 | 130,703,000 | 139,755,000 | 146,857,000 |
| Allowance for loan losses | 1,591,000 | 1,703,000 | 1,892,000 | 2,028,000 |
| Securities available for sale | 18,138,000 | 18,218,000 | 20,426,000 | 19,675,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,424,000 | 137,161,000 | 144,752,000 | 158,360,000 |
| Interest-bearing deposits | 122,672,000 | 121,333,000 | 127,847,000 | 136,456,000 |
| Noninterest-bearing deposits | 13,752,000 | 15,828,000 | 16,905,000 | 21,904,000 |
| Equity capital | 18,877,000 | 18,879,000 | 19,132,000 | 19,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,040,000 | 4,048,000 | 6,080,000 | 8,228,000 |
| Interest expense | 351,000 | 675,000 | 988,000 | 1,304,000 |
| Net interest income | 1,689,000 | 3,373,000 | 5,092,000 | 6,924,000 |
| Noninterest income | 169,000 | 337,000 | 529,000 | 788,000 |
| Noninterest expense | 1,404,000 | 3,034,000 | 4,465,000 | 6,088,000 |
| Provision for loan losses | 240,000 | 420,000 | 600,000 | 780,000 |
| Pretax income | 268,000 | 310,000 | 610,000 | 898,000 |
| Income tax | 93,000 | 102,000 | 208,000 | 21,000 |
| Net income | 175,000 | 208,000 | 402,000 | 877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,806,000 | 14,839,000 | 15,008,000 | 15,460,000 |
| Total capital | 16,397,000 | 16,399,000 | 16,713,000 | 17,261,000 |
| Risk-weighted assets | 129,114,000 | 124,635,000 | 136,224,000 | 143,892,000 |