Call reports 2009
1ST REGENTS BANK — 2009
What 1ST REGENTS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 82,958,000 | 85,884,000 | 88,226,000 | 90,888,000 |
| Total loans | 72,771,000 | 72,832,000 | 68,352,000 | 63,905,000 |
| Allowance for loan losses | 1,556,000 | 1,305,000 | 1,964,000 | 2,470,000 |
| Securities available for sale | 6,415,000 | 6,046,000 | 5,849,000 | 5,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,639,000 | 67,841,000 | 72,454,000 | 77,480,000 |
| Interest-bearing deposits | 58,491,000 | 60,445,000 | 66,442,000 | 72,495,000 |
| Noninterest-bearing deposits | 6,148,000 | 7,396,000 | 6,012,000 | 4,985,000 |
| Equity capital | 10,028,000 | 9,666,000 | 7,931,000 | 5,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,164,000 | 2,397,000 | 3,504,000 | 4,575,000 |
| Interest expense | 543,000 | 1,051,000 | 1,552,000 | 2,030,000 |
| Net interest income | 621,000 | 1,346,000 | 1,952,000 | 2,545,000 |
| Noninterest income | 21,000 | 47,000 | 71,000 | -428,000 |
| Noninterest expense | 664,000 | 1,319,000 | 1,573,000 | 2,265,000 |
| Provision for loan losses | 0 | 383,000 | 2,605,000 | 4,438,000 |
| Pretax income | -22,000 | -309,000 | -2,155,000 | -4,586,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -22,000 | -309,000 | -2,155,000 | -4,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,841,000 | 9,553,000 | 7,708,000 | 5,277,000 |
| Total capital | 10,785,000 | 10,520,000 | 8,639,000 | 6,182,000 |
| Risk-weighted assets | 74,936,000 | 77,054,000 | 73,434,000 | 70,806,000 |
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