Call reports 2012
REGENT BANK — 2012
What REGENT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 432,427,000 | 423,565,000 | 423,914,000 | 410,531,000 |
| Total loans | 343,915,000 | 338,646,000 | 327,472,000 | 317,416,000 |
| Allowance for loan losses | 10,260,000 | 10,734,000 | 7,704,000 | 6,759,000 |
| Securities available for sale | 29,536,000 | 29,448,000 | 28,277,000 | 27,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,555,000 | 367,798,000 | 366,223,000 | 353,352,000 |
| Interest-bearing deposits | 287,915,000 | 279,302,000 | 277,888,000 | 271,122,000 |
| Noninterest-bearing deposits | 89,640,000 | 88,496,000 | 88,335,000 | 82,230,000 |
| Equity capital | 39,371,000 | 39,429,000 | 39,869,000 | 39,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,898,000 | 9,591,000 | 13,969,000 | 18,533,000 |
| Interest expense | 720,000 | 1,373,000 | 1,988,000 | 2,582,000 |
| Net interest income | 4,178,000 | 8,218,000 | 11,981,000 | 15,951,000 |
| Noninterest income | 364,000 | 884,000 | 1,151,000 | 1,950,000 |
| Noninterest expense | 3,955,000 | 7,896,000 | 12,101,000 | 16,072,000 |
| Provision for loan losses | 4,124,000 | 4,725,000 | 4,020,000 | 4,764,000 |
| Pretax income | -3,514,000 | -3,417,000 | -2,887,000 | -2,623,000 |
| Income tax | -1,321,000 | -1,285,000 | -1,077,000 | -979,000 |
| Net income | -2,193,000 | -2,132,000 | -1,810,000 | -1,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,848,000 | 30,890,000 | 31,250,000 | 31,128,000 |
| Total capital | 35,152,000 | 35,090,000 | 35,218,000 | 34,954,000 |
| Risk-weighted assets | 338,362,000 | 329,483,000 | 313,693,000 | 303,141,000 |
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