Call reports 2010
1ST REGENTS BANK — 2010
What 1ST REGENTS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 90,310,000 | 87,330,000 | 83,618,000 | 75,989,000 |
| Total loans | 61,894,000 | 59,105,000 | 53,977,000 | 53,175,000 |
| Allowance for loan losses | 2,201,000 | 2,192,000 | 1,322,000 | 2,323,000 |
| Securities available for sale | 9,086,000 | 9,999,000 | 9,599,000 | 10,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,752,000 | 78,362,000 | 75,206,000 | 69,846,000 |
| Interest-bearing deposits | 73,922,000 | 72,028,000 | 69,107,000 | 63,947,000 |
| Noninterest-bearing deposits | 5,830,000 | 6,334,000 | 6,099,000 | 5,899,000 |
| Equity capital | 5,088,000 | 5,544,000 | 5,058,000 | 2,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 956,000 | 1,933,000 | 2,860,000 | 3,727,000 |
| Interest expense | 462,000 | 895,000 | 1,292,000 | 1,651,000 |
| Net interest income | 494,000 | 1,038,000 | 1,568,000 | 2,076,000 |
| Noninterest income | 20,000 | 131,000 | -380,000 | -1,015,000 |
| Noninterest expense | 632,000 | 1,362,000 | 1,798,000 | 2,371,000 |
| Provision for loan losses | 180,000 | 274,000 | 410,000 | 1,712,000 |
| Pretax income | -271,000 | -439,000 | -992,000 | -2,717,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -271,000 | -439,000 | -992,000 | -2,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,005,000 | 5,287,000 | 4,734,000 | 3,015,000 |
| Total capital | 5,895,000 | 6,116,000 | 5,502,000 | 3,750,000 |
| Risk-weighted assets | 69,928,000 | 64,940,000 | 60,918,000 | 57,239,000 |