Call reports 2003
REGENT BANK — 2003
What REGENT BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 142,076,000 | 154,604,000 | 146,856,000 | 151,449,000 |
| Total loans | 108,913,000 | 116,027,000 | 116,536,000 | 125,690,000 |
| Allowance for loan losses | 891,000 | 913,000 | 956,000 | 1,091,000 |
| Securities available for sale | 1,956,000 | 1,822,000 | 1,644,000 | 2,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,438,000 | 143,680,000 | 135,373,000 | 139,758,000 |
| Interest-bearing deposits | 94,961,000 | 103,080,000 | 94,253,000 | 93,862,000 |
| Noninterest-bearing deposits | 35,477,000 | 40,600,000 | 41,120,000 | 45,896,000 |
| Equity capital | 9,338,000 | 9,871,000 | 10,436,000 | 10,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,908,000 | 3,822,000 | 5,788,000 | 7,744,000 |
| Interest expense | 283,000 | 582,000 | 848,000 | 1,091,000 |
| Net interest income | 1,625,000 | 3,240,000 | 4,940,000 | 6,653,000 |
| Noninterest income | 648,000 | 1,425,000 | 2,158,000 | 2,724,000 |
| Noninterest expense | 1,749,000 | 3,569,000 | 5,513,000 | 7,355,000 |
| Provision for loan losses | 76,000 | 95,000 | 136,000 | 269,000 |
| Pretax income | 448,000 | 1,001,000 | 1,449,000 | 1,753,000 |
| Income tax | 155,000 | 348,000 | 504,000 | 616,000 |
| Net income | 293,000 | 653,000 | 945,000 | 1,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,329,000 | 9,859,000 | 10,428,000 | 10,568,000 |
| Total capital | 10,220,000 | 10,772,000 | 11,384,000 | 11,659,000 |
| Risk-weighted assets | 99,753,000 | 107,547,000 | 112,535,000 | 112,425,000 |
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