Call reports 2007
1ST REGENTS BANK — 2007
What 1ST REGENTS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 78,417,000 | 79,085,000 | 79,934,000 | 78,619,000 |
| Total loans | 62,967,000 | 65,631,000 | 69,111,000 | 70,490,000 |
| Allowance for loan losses | 790,000 | 850,000 | 789,000 | 997,000 |
| Securities available for sale | 6,565,000 | 6,316,000 | 6,224,000 | 6,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,346,000 | 62,773,000 | 63,664,000 | 62,189,000 |
| Interest-bearing deposits | 56,315,000 | 55,314,000 | 55,651,000 | 54,847,000 |
| Noninterest-bearing deposits | 8,031,000 | 7,459,000 | 8,013,000 | 7,342,000 |
| Equity capital | 10,270,000 | 10,401,000 | 10,530,000 | 10,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,470,000 | 3,058,000 | 4,622,000 | 6,068,000 |
| Interest expense | 661,000 | 1,366,000 | 2,108,000 | 2,828,000 |
| Net interest income | 809,000 | 1,692,000 | 2,514,000 | 3,240,000 |
| Noninterest income | 21,000 | 42,000 | 61,000 | 84,000 |
| Noninterest expense | 604,000 | 1,230,000 | 1,851,000 | 2,460,000 |
| Provision for loan losses | 60,000 | 120,000 | 270,000 | 520,000 |
| Pretax income | 166,000 | 384,000 | 454,000 | 344,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 166,000 | 384,000 | 454,000 | 344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,439,000 | 10,657,000 | 10,727,000 | 10,618,000 |
| Total capital | 11,229,000 | 11,507,000 | 11,517,000 | 11,549,000 |
| Risk-weighted assets | 68,457,000 | 70,884,000 | 73,477,000 | 74,304,000 |
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