Call reports 2023
REGENT BANK — 2023
What REGENT BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,321,753,000 | 1,304,680,000 | 1,383,862,000 | 1,531,004,000 |
| Total loans | 1,097,391,000 | 1,091,072,000 | 1,136,967,000 | 1,200,429,000 |
| Allowance for loan losses | 11,765,000 | 12,851,000 | 13,939,000 | 14,577,000 |
| Securities available for sale | 106,452,000 | 109,050,000 | 113,751,000 | 144,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,036,254,000 | 1,100,067,000 | 1,022,074,000 | 1,337,227,000 |
| Interest-bearing deposits | 766,469,000 | 822,916,000 | 795,014,000 | 1,109,130,000 |
| Noninterest-bearing deposits | 269,785,000 | 277,151,000 | 227,060,000 | 228,097,000 |
| Equity capital | 111,943,000 | 114,894,000 | 123,578,000 | 140,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 18,137,000 | 37,503,000 | 58,445,000 | 81,437,000 |
| Interest expense | 5,362,000 | 11,967,000 | 20,051,000 | 30,795,000 |
| Net interest income | 12,775,000 | 25,536,000 | 38,394,000 | 50,642,000 |
| Noninterest income | 1,793,000 | 4,061,000 | 6,796,000 | 8,991,000 |
| Noninterest expense | 8,949,000 | 18,336,000 | 28,219,000 | 37,478,000 |
| Provision for loan losses | 600,000 | 1,800,000 | 3,000,000 | 3,600,000 |
| Pretax income | 4,729,000 | 9,171,000 | 13,681,000 | 18,265,000 |
| Income tax | 1,131,000 | 2,226,000 | 3,338,000 | 4,178,000 |
| Net income | 3,598,000 | 6,945,000 | 10,343,000 | 14,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 116,828,000 | 120,175,000 | 130,574,000 | 144,319,000 |
| Total capital | 128,593,000 | 133,026,000 | 144,513,000 | 158,896,000 |
| Risk-weighted assets | 1,197,082,000 | 1,209,114,000 | 1,297,196,000 | 1,402,713,000 |