Call reports 2005
1ST REGENTS BANK — 2005
What 1ST REGENTS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 61,499,000 | 63,959,000 | 63,322,000 | 62,802,000 |
| Total loans | 43,135,000 | 45,366,000 | 46,055,000 | 47,945,000 |
| Allowance for loan losses | 494,000 | 527,000 | 532,000 | 537,000 |
| Securities available for sale | 6,604,000 | 7,012,000 | 6,864,000 | 6,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,745,000 | 55,917,000 | 55,091,000 | 51,244,000 |
| Interest-bearing deposits | 32,722,000 | 36,361,000 | 44,363,000 | 41,300,000 |
| Noninterest-bearing deposits | 18,023,000 | 19,556,000 | 10,728,000 | 9,944,000 |
| Equity capital | 7,765,000 | 7,804,000 | 7,963,000 | 8,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 883,000 | 1,893,000 | 2,852,000 | 3,888,000 |
| Interest expense | 202,000 | 441,000 | 693,000 | 992,000 |
| Net interest income | 681,000 | 1,452,000 | 2,159,000 | 2,896,000 |
| Noninterest income | 14,000 | 33,000 | 49,000 | 75,000 |
| Noninterest expense | 392,000 | 1,022,000 | 1,450,000 | 1,867,000 |
| Provision for loan losses | 0 | 33,000 | 38,000 | 43,000 |
| Pretax income | 232,000 | 359,000 | 649,000 | 990,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 232,000 | 359,000 | 649,000 | 990,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,770,000 | 7,896,000 | 8,186,000 | 8,527,000 |
| Total capital | 8,264,000 | 8,423,000 | 8,718,000 | 9,064,000 |
| Risk-weighted assets | 48,856,000 | 51,013,000 | 51,686,000 | 52,935,000 |
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