Call reports 2011
1ST REGENTS BANK — 2011
What 1ST REGENTS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 70,022,000 | 67,027,000 | 67,784,000 | 62,804,000 |
| Total loans | 50,280,000 | 47,883,000 | 45,186,000 | 41,919,000 |
| Allowance for loan losses | 2,579,000 | 2,668,000 | 2,574,000 | 2,112,000 |
| Securities available for sale | 9,465,000 | 9,626,000 | 9,285,000 | 7,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,435,000 | 61,582,000 | 62,569,000 | 57,791,000 |
| Interest-bearing deposits | 59,584,000 | 55,757,000 | 57,071,000 | 52,584,000 |
| Noninterest-bearing deposits | 4,851,000 | 5,825,000 | 5,498,000 | 5,207,000 |
| Equity capital | 2,257,000 | 2,197,000 | 1,977,000 | 1,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 809,000 | 1,596,000 | 2,320,000 | 2,952,000 |
| Interest expense | 327,000 | 637,000 | 930,000 | 1,195,000 |
| Net interest income | 482,000 | 959,000 | 1,390,000 | 1,757,000 |
| Noninterest income | -132,000 | -141,000 | -404,000 | -229,000 |
| Noninterest expense | 629,000 | 1,224,000 | 1,793,000 | 2,626,000 |
| Provision for loan losses | 327,000 | 459,000 | 353,000 | 167,000 |
| Pretax income | -606,000 | -865,000 | -1,160,000 | -1,244,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -606,000 | -865,000 | -1,160,000 | -1,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,408,000 | 2,149,000 | 1,854,000 | 1,770,000 |
| Total capital | 3,108,000 | 2,822,000 | 2,490,000 | 2,368,000 |
| Risk-weighted assets | 54,130,000 | 51,875,000 | 48,924,000 | 46,314,000 |