Call reports 2016
REGENT BANK — 2016
What REGENT BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 263,326,000 | 296,889,000 | 321,923,000 | 327,157,000 |
| Total loans | 235,527,000 | 259,777,000 | 280,367,000 | 295,141,000 |
| Allowance for loan losses | 2,770,000 | 2,923,000 | 3,085,000 | 3,251,000 |
| Securities available for sale | 8,839,000 | 8,831,000 | 9,655,000 | 10,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,025,000 | 263,333,000 | 287,229,000 | 290,644,000 |
| Interest-bearing deposits | 195,637,000 | 219,671,000 | 245,423,000 | 245,332,000 |
| Noninterest-bearing deposits | 35,388,000 | 43,662,000 | 41,806,000 | 45,312,000 |
| Equity capital | 28,620,000 | 29,256,000 | 30,802,000 | 32,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,041,000 | 6,366,000 | 10,019,000 | 13,833,000 |
| Interest expense | 315,000 | 698,000 | 1,169,000 | 1,667,000 |
| Net interest income | 2,726,000 | 5,668,000 | 8,850,000 | 12,166,000 |
| Noninterest income | 251,000 | 647,000 | 927,000 | 1,224,000 |
| Noninterest expense | 2,053,000 | 4,275,000 | 6,604,000 | 9,139,000 |
| Provision for loan losses | 180,000 | 440,000 | 680,000 | 950,000 |
| Pretax income | 744,000 | 1,600,000 | 2,493,000 | 3,301,000 |
| Income tax | 256,000 | 555,000 | 870,000 | 1,054,000 |
| Net income | 488,000 | 1,045,000 | 1,623,000 | 2,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,607,000 | 25,165,000 | 26,742,000 | 28,867,000 |
| Total capital | 27,377,000 | 28,088,000 | 29,827,000 | 32,118,000 |
| Risk-weighted assets | 243,801,000 | 275,378,000 | 294,883,000 | 307,677,000 |