Call reports 2009
REGENT BANK — 2009
What REGENT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 376,015,000 | 394,582,000 | 422,974,000 | 454,600,000 |
| Total loans | 340,604,000 | 356,609,000 | 383,388,000 | 407,569,000 |
| Allowance for loan losses | 4,272,000 | 7,907,000 | 7,704,000 | 10,623,000 |
| Securities available for sale | 3,049,000 | 2,456,000 | 2,486,000 | 3,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,984,000 | 326,462,000 | 347,638,000 | 362,001,000 |
| Interest-bearing deposits | 244,408,000 | 257,691,000 | 277,546,000 | 298,631,000 |
| Noninterest-bearing deposits | 70,576,000 | 68,771,000 | 70,092,000 | 63,370,000 |
| Equity capital | 41,438,000 | 40,018,000 | 41,575,000 | 43,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,838,000 | 9,851,000 | 15,197,000 | 20,642,000 |
| Interest expense | 1,159,000 | 2,176,000 | 3,181,000 | 4,246,000 |
| Net interest income | 3,679,000 | 7,675,000 | 12,016,000 | 16,396,000 |
| Noninterest income | 613,000 | 1,630,000 | 2,414,000 | 3,129,000 |
| Noninterest expense | 2,928,000 | 6,194,000 | 9,550,000 | 13,219,000 |
| Provision for loan losses | 736,000 | 4,663,000 | 4,863,000 | 9,132,000 |
| Pretax income | 628,000 | -1,552,000 | 17,000 | -2,826,000 |
| Income tax | 199,000 | -668,000 | -102,000 | -1,180,000 |
| Net income | 429,000 | -884,000 | 119,000 | -1,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,410,000 | 40,031,000 | 41,561,000 | 43,028,000 |
| Total capital | 45,682,000 | 44,681,000 | 46,547,000 | 48,342,000 |
| Risk-weighted assets | 373,552,000 | 368,744,000 | 396,138,000 | 419,773,000 |
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