Call reports 2020
REGENT BANK — 2020
What REGENT BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 694,660,000 | 896,862,000 | 897,044,000 | 885,351,000 |
| Total loans | 609,343,000 | 713,259,000 | 741,392,000 | 744,132,000 |
| Allowance for loan losses | 6,284,000 | 8,286,000 | 10,140,000 | 10,892,000 |
| Securities available for sale | 12,882,000 | 12,356,000 | 10,508,000 | 11,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 582,580,000 | 700,139,000 | 700,074,000 | 711,906,000 |
| Interest-bearing deposits | 491,317,000 | 552,116,000 | 559,412,000 | 582,811,000 |
| Noninterest-bearing deposits | 91,263,000 | 148,023,000 | 140,662,000 | 129,095,000 |
| Equity capital | 69,380,000 | 73,421,000 | 75,341,000 | 77,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 8,546,000 | 20,495,000 | 29,728,000 | 36,989,000 |
| Interest expense | 2,166,000 | 3,795,000 | 5,269,000 | 6,596,000 |
| Net interest income | 6,380,000 | 16,700,000 | 24,459,000 | 30,393,000 |
| Noninterest income | 767,000 | 2,288,000 | 3,951,000 | 5,767,000 |
| Noninterest expense | 4,652,000 | 10,014,000 | 15,336,000 | 20,670,000 |
| Provision for loan losses | 525,000 | 4,275,000 | 5,775,000 | 6,525,000 |
| Pretax income | 1,970,000 | 4,699,000 | 7,299,000 | 8,965,000 |
| Income tax | 479,000 | 1,215,000 | 1,928,000 | 1,880,000 |
| Net income | 1,491,000 | 3,484,000 | 5,371,000 | 7,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,228,000 | 69,221,000 | 71,130,000 | 72,773,000 |
| Total capital | 71,512,000 | 77,507,000 | 79,677,000 | 81,717,000 |
| Risk-weighted assets | 660,931,000 | 668,105,000 | 682,141,000 | 713,584,000 |