Call reports 2002
REGENT BANK — 2002
What REGENT BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 94,937,000 | 105,771,000 | 108,616,000 | 125,538,000 |
| Total loans | 74,966,000 | 83,249,000 | 91,722,000 | 108,272,000 |
| Allowance for loan losses | 642,000 | 709,000 | 746,000 | 813,000 |
| Securities available for sale | 3,826,000 | 3,130,000 | 2,359,000 | 1,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,724,000 | 96,344,000 | 98,866,000 | 112,271,000 |
| Interest-bearing deposits | 47,467,000 | 63,139,000 | 64,573,000 | 76,283,000 |
| Noninterest-bearing deposits | 38,257,000 | 33,205,000 | 34,293,000 | 35,988,000 |
| Equity capital | 8,458,000 | 8,619,000 | 8,860,000 | 9,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,420,000 | 2,997,000 | 4,741,000 | 6,623,000 |
| Interest expense | 189,000 | 394,000 | 625,000 | 888,000 |
| Net interest income | 1,231,000 | 2,603,000 | 4,116,000 | 5,735,000 |
| Noninterest income | 552,000 | 1,132,000 | 1,801,000 | 2,627,000 |
| Noninterest expense | 1,461,000 | 3,028,000 | 4,719,000 | 6,483,000 |
| Provision for loan losses | 31,000 | 95,000 | 125,000 | 190,000 |
| Pretax income | 291,000 | 612,000 | 1,073,000 | 1,689,000 |
| Income tax | 108,000 | 226,000 | 397,000 | 592,000 |
| Net income | 183,000 | 386,000 | 676,000 | 1,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,459,000 | 8,612,000 | 8,852,000 | 9,223,000 |
| Total capital | 9,101,000 | 9,321,000 | 9,598,000 | 10,036,000 |
| Risk-weighted assets | 71,027,000 | 78,076,000 | 84,608,000 | 96,163,000 |
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