Call reports 2012
1ST REGENTS BANK — 2012
What 1ST REGENTS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 56,189,000 | 56,236,000 | 50,208,000 | 49,626,000 |
| Total loans | 41,162,000 | 39,846,000 | 37,472,000 | 35,074,000 |
| Allowance for loan losses | 2,197,000 | 2,111,000 | 1,562,000 | 432,000 |
| Securities available for sale | 6,668,000 | 3,771,000 | 2,375,000 | 2,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,426,000 | 54,730,000 | 49,125,000 | 49,147,000 |
| Interest-bearing deposits | 47,498,000 | 48,019,000 | 42,842,000 | 42,891,000 |
| Noninterest-bearing deposits | 3,928,000 | 6,711,000 | 6,283,000 | 6,256,000 |
| Equity capital | 1,585,000 | 1,355,000 | 924,000 | 341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 619,000 | 1,208,000 | 1,723,000 | 2,247,000 |
| Interest expense | 197,000 | 364,000 | 493,000 | 588,000 |
| Net interest income | 422,000 | 844,000 | 1,230,000 | 1,659,000 |
| Noninterest income | -70,000 | -224,000 | -282,000 | -354,000 |
| Noninterest expense | 578,000 | 1,193,000 | 1,762,000 | 2,690,000 |
| Provision for loan losses | 41,000 | -46,000 | 162,000 | 162,000 |
| Pretax income | -267,000 | -489,000 | -908,000 | -1,479,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -267,000 | -489,000 | -908,000 | -1,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,504,000 | 1,281,000 | 862,000 | 291,000 |
| Total capital | 2,084,000 | 1,830,000 | 1,372,000 | 582,000 |
| Risk-weighted assets | 44,775,000 | 42,392,000 | 39,763,000 | 37,889,000 |