Call reports 2004
REGENT BANK — 2004
What REGENT BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 158,785,000 | 170,166,000 | 168,616,000 | 174,520,000 |
| Total loans | 135,719,000 | 135,675,000 | 143,015,000 | 151,235,000 |
| Allowance for loan losses | 1,209,000 | 1,297,000 | 1,309,000 | 1,317,000 |
| Securities available for sale | 1,507,000 | 1,903,000 | 2,394,000 | 2,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,487,000 | 157,592,000 | 154,704,000 | 159,740,000 |
| Interest-bearing deposits | 99,120,000 | 109,451,000 | 105,625,000 | 104,770,000 |
| Noninterest-bearing deposits | 47,367,000 | 48,141,000 | 49,079,000 | 54,970,000 |
| Equity capital | 11,259,000 | 11,602,000 | 12,463,000 | 13,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,055,000 | 4,211,000 | 6,572,000 | 9,041,000 |
| Interest expense | 230,000 | 469,000 | 717,000 | 983,000 |
| Net interest income | 1,825,000 | 3,742,000 | 5,855,000 | 8,058,000 |
| Noninterest income | 587,000 | 1,277,000 | 1,917,000 | 2,427,000 |
| Noninterest expense | 1,866,000 | 3,815,000 | 5,769,000 | 7,663,000 |
| Provision for loan losses | 116,000 | 204,000 | 307,000 | 314,000 |
| Pretax income | 430,000 | 1,000,000 | 1,696,000 | 2,508,000 |
| Income tax | 155,000 | 359,000 | 610,000 | 911,000 |
| Net income | 275,000 | 641,000 | 1,086,000 | 1,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,248,000 | 11,614,000 | 12,462,000 | 13,173,000 |
| Total capital | 12,457,000 | 12,911,000 | 13,771,000 | 14,490,000 |
| Risk-weighted assets | 122,743,000 | 124,626,000 | 134,675,000 | 142,401,000 |
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