Call reports 2007
REGENT BANK — 2007
What REGENT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 269,884,000 | 281,482,000 | 298,940,000 | 309,941,000 |
| Total loans | 239,581,000 | 249,329,000 | 266,432,000 | 271,793,000 |
| Allowance for loan losses | 2,180,000 | 2,253,000 | 2,253,000 | 2,864,000 |
| Securities available for sale | 2,098,000 | 2,175,000 | 2,189,000 | 2,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,778,000 | 237,064,000 | 262,333,000 | 249,613,000 |
| Interest-bearing deposits | 174,142,000 | 178,634,000 | 205,217,000 | 197,334,000 |
| Noninterest-bearing deposits | 59,636,000 | 58,430,000 | 57,116,000 | 52,279,000 |
| Equity capital | 31,486,000 | 32,109,000 | 32,646,000 | 33,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,241,000 | 10,549,000 | 16,249,000 | 21,937,000 |
| Interest expense | 1,651,000 | 3,362,000 | 5,418,000 | 7,579,000 |
| Net interest income | 3,590,000 | 7,187,000 | 10,831,000 | 14,358,000 |
| Noninterest income | 631,000 | 1,235,000 | 1,860,000 | 2,585,000 |
| Noninterest expense | 2,688,000 | 5,351,000 | 8,060,000 | 10,749,000 |
| Provision for loan losses | 107,000 | 163,000 | 383,000 | 1,016,000 |
| Pretax income | 1,426,000 | 2,908,000 | 4,248,000 | 5,178,000 |
| Income tax | 528,000 | 1,076,000 | 1,572,000 | 1,790,000 |
| Net income | 898,000 | 1,832,000 | 2,676,000 | 3,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,504,000 | 32,132,000 | 32,655,000 | 33,125,000 |
| Total capital | 33,684,000 | 34,385,000 | 34,908,000 | 35,989,000 |
| Risk-weighted assets | 253,433,000 | 261,698,000 | 281,975,000 | 292,110,000 |
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