Call reports 2018
REGENT BANK — 2018
What REGENT BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 475,500,000 | 523,395,000 | 548,199,000 | 580,713,000 |
| Total loans | 403,411,000 | 446,854,000 | 467,760,000 | 499,040,000 |
| Allowance for loan losses | 4,373,000 | 5,147,000 | 5,003,000 | 5,311,000 |
| Securities available for sale | 17,117,000 | 17,710,000 | 17,308,000 | 16,737,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,654,000 | 417,539,000 | 471,468,000 | 490,364,000 |
| Interest-bearing deposits | 334,704,000 | 362,524,000 | 411,010,000 | 409,771,000 |
| Noninterest-bearing deposits | 53,950,000 | 55,015,000 | 60,458,000 | 80,593,000 |
| Equity capital | 50,557,000 | 53,116,000 | 53,803,000 | 56,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,446,000 | 11,434,000 | 18,105,000 | 25,165,000 |
| Interest expense | 921,000 | 2,065,000 | 3,872,000 | 5,937,000 |
| Net interest income | 4,525,000 | 9,369,000 | 14,233,000 | 19,228,000 |
| Noninterest income | 301,000 | 825,000 | 1,092,000 | 1,641,000 |
| Noninterest expense | 3,231,000 | 6,642,000 | 10,345,000 | 14,126,000 |
| Provision for loan losses | 450,000 | 1,175,000 | 1,775,000 | 2,075,000 |
| Pretax income | 1,145,000 | 2,377,000 | 3,205,000 | 4,668,000 |
| Income tax | 319,000 | 635,000 | 705,000 | 1,111,000 |
| Net income | 826,000 | 1,742,000 | 2,500,000 | 3,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,794,000 | 49,409,000 | 50,168,000 | 52,725,000 |
| Total capital | 51,167,000 | 54,556,000 | 55,171,000 | 58,036,000 |
| Risk-weighted assets | 418,480,000 | 474,480,000 | 504,938,000 | 538,306,000 |