Call reports 2008
1ST REGENTS BANK — 2008
What 1ST REGENTS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 79,658,000 | 81,926,000 | 81,958,000 | 82,733,000 |
| Total loans | 70,944,000 | 72,321,000 | 72,549,000 | 71,054,000 |
| Allowance for loan losses | 1,027,000 | 1,082,000 | 1,494,000 | 1,556,000 |
| Securities available for sale | 6,738,000 | 6,301,000 | 6,796,000 | 6,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,364,000 | 65,685,000 | 66,255,000 | 67,161,000 |
| Interest-bearing deposits | 56,176,000 | 57,555,000 | 58,506,000 | 60,076,000 |
| Noninterest-bearing deposits | 7,188,000 | 8,130,000 | 7,749,000 | 7,085,000 |
| Equity capital | 10,409,000 | 10,321,000 | 9,925,000 | 9,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,444,000 | 2,857,000 | 4,146,000 | 5,290,000 |
| Interest expense | 663,000 | 1,275,000 | 1,859,000 | 2,446,000 |
| Net interest income | 781,000 | 1,582,000 | 2,287,000 | 2,844,000 |
| Noninterest income | 18,000 | 39,000 | 61,000 | 81,000 |
| Noninterest expense | 728,000 | 1,394,000 | 2,041,000 | 2,780,000 |
| Provision for loan losses | 30,000 | 85,000 | 625,000 | 1,835,000 |
| Pretax income | 41,000 | 142,000 | -318,000 | -1,690,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 41,000 | 142,000 | -318,000 | -1,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,389,000 | 10,491,000 | 10,030,000 | 9,863,000 |
| Total capital | 11,321,000 | 11,462,000 | 10,990,000 | 10,807,000 |
| Risk-weighted assets | 74,490,000 | 76,937,000 | 76,291,000 | 74,934,000 |
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