Call reports 2015
REGENT BANK — 2015
What REGENT BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 208,538,000 | 212,508,000 | 231,841,000 | 255,781,000 |
| Total loans | 181,882,000 | 186,765,000 | 207,766,000 | 230,910,000 |
| Allowance for loan losses | 2,336,000 | 2,423,000 | 2,535,000 | 2,711,000 |
| Securities available for sale | 9,097,000 | 9,313,000 | 8,982,000 | 8,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,687,000 | 180,168,000 | 188,460,000 | 204,087,000 |
| Interest-bearing deposits | 136,590,000 | 151,848,000 | 156,642,000 | 170,722,000 |
| Noninterest-bearing deposits | 29,097,000 | 28,320,000 | 31,818,000 | 33,365,000 |
| Equity capital | 26,796,000 | 27,054,000 | 27,561,000 | 28,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,506,000 | 5,068,000 | 7,827,000 | 10,837,000 |
| Interest expense | 200,000 | 397,000 | 619,000 | 865,000 |
| Net interest income | 2,306,000 | 4,671,000 | 7,208,000 | 9,972,000 |
| Noninterest income | 278,000 | 460,000 | 776,000 | 1,005,000 |
| Noninterest expense | 1,900,000 | 3,799,000 | 5,746,000 | 7,787,000 |
| Provision for loan losses | 180,000 | 340,000 | 520,000 | 700,000 |
| Pretax income | 475,000 | 963,000 | 1,689,000 | 2,461,000 |
| Income tax | 163,000 | 322,000 | 602,000 | 860,000 |
| Net income | 312,000 | 641,000 | 1,087,000 | 1,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,830,000 | 23,159,000 | 23,605,000 | 24,119,000 |
| Total capital | 25,085,000 | 25,558,000 | 26,140,000 | 26,830,000 |
| Risk-weighted assets | 180,382,000 | 191,910,000 | 214,784,000 | 238,847,000 |