Call reports 2019
REGENT BANK — 2019
What REGENT BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 599,813,000 | 612,020,000 | 649,973,000 | 672,364,000 |
| Total loans | 510,419,000 | 524,505,000 | 561,041,000 | 573,476,000 |
| Allowance for loan losses | 5,622,000 | 5,759,000 | 6,020,000 | 6,152,000 |
| Securities available for sale | 15,729,000 | 15,325,000 | 14,560,000 | 13,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 515,361,000 | 526,117,000 | 527,494,000 | 530,714,000 |
| Interest-bearing deposits | 457,203,000 | 467,149,000 | 457,402,000 | 454,736,000 |
| Noninterest-bearing deposits | 58,158,000 | 58,968,000 | 70,092,000 | 75,978,000 |
| Equity capital | 60,650,000 | 61,743,000 | 66,152,000 | 67,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,252,000 | 15,012,000 | 23,129,000 | 31,390,000 |
| Interest expense | 2,144,000 | 4,664,000 | 7,164,000 | 9,476,000 |
| Net interest income | 5,108,000 | 10,348,000 | 15,965,000 | 21,914,000 |
| Noninterest income | 461,000 | 1,229,000 | 1,970,000 | 2,953,000 |
| Noninterest expense | 3,874,000 | 8,234,000 | 12,405,000 | 16,551,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,450,000 |
| Pretax income | 1,395,000 | 2,743,000 | 4,630,000 | 6,866,000 |
| Income tax | 377,000 | 740,000 | 1,250,000 | 1,854,000 |
| Net income | 1,018,000 | 2,003,000 | 3,380,000 | 5,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,743,000 | 57,727,000 | 62,104,000 | 63,737,000 |
| Total capital | 62,365,000 | 63,486,000 | 68,124,000 | 69,889,000 |
| Risk-weighted assets | 557,926,000 | 574,447,000 | 613,773,000 | 621,953,000 |