Call reports 2013
REGENT BANK — 2013
What REGENT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 186,700,000 | 186,056,000 | 187,869,000 | 194,417,000 |
| Total loans | 151,124,000 | 150,492,000 | 153,608,000 | 160,582,000 |
| Allowance for loan losses | 2,226,000 | 2,299,000 | 2,085,000 | 2,271,000 |
| Securities available for sale | 21,380,000 | 20,226,000 | 19,310,000 | 12,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,050,000 | 153,523,000 | 149,301,000 | 161,705,000 |
| Interest-bearing deposits | 132,048,000 | 134,907,000 | 129,971,000 | 142,675,000 |
| Noninterest-bearing deposits | 19,001,000 | 18,616,000 | 19,329,000 | 19,030,000 |
| Equity capital | 19,722,000 | 19,473,000 | 19,866,000 | 20,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,174,000 | 4,378,000 | 6,651,000 | 8,929,000 |
| Interest expense | 298,000 | 591,000 | 880,000 | 1,153,000 |
| Net interest income | 1,876,000 | 3,787,000 | 5,771,000 | 7,776,000 |
| Noninterest income | 181,000 | 350,000 | 572,000 | 809,000 |
| Noninterest expense | 1,482,000 | 3,074,000 | 4,676,000 | 6,359,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 720,000 |
| Pretax income | 395,000 | 703,000 | 1,127,000 | 1,505,000 |
| Income tax | 141,000 | 218,000 | 343,000 | 423,000 |
| Net income | 254,000 | 485,000 | 784,000 | 1,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,670,000 | 15,774,000 | 16,071,000 | 16,396,000 |
| Total capital | 17,529,000 | 17,629,000 | 17,971,000 | 18,376,000 |
| Risk-weighted assets | 148,340,000 | 147,830,000 | 151,781,000 | 158,110,000 |