Call reports 2013
REGENT BANK — 2013
What REGENT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 418,848,000 | 400,747,000 | 382,545,000 | 344,339,000 |
| Total loans | 296,647,000 | 289,878,000 | 284,513,000 | 286,638,000 |
| Allowance for loan losses | 6,620,000 | 7,571,000 | 7,125,000 | 9,723,000 |
| Securities available for sale | 26,352,000 | 27,495,000 | 25,703,000 | 24,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,632,000 | 348,685,000 | 330,246,000 | 306,197,000 |
| Interest-bearing deposits | 277,724,000 | 267,066,000 | 247,323,000 | 229,863,000 |
| Noninterest-bearing deposits | 83,908,000 | 81,619,000 | 82,923,000 | 76,334,000 |
| Equity capital | 40,093,000 | 39,569,000 | 39,495,000 | 25,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,125,000 | 8,328,000 | 12,256,000 | 15,895,000 |
| Interest expense | 555,000 | 1,059,000 | 1,521,000 | 1,968,000 |
| Net interest income | 3,570,000 | 7,269,000 | 10,735,000 | 13,927,000 |
| Noninterest income | 645,000 | 1,264,000 | 1,865,000 | 2,792,000 |
| Noninterest expense | 3,825,000 | 7,615,000 | 11,352,000 | 15,200,000 |
| Provision for loan losses | 11,000 | 1,224,000 | 1,375,000 | 6,018,000 |
| Pretax income | 379,000 | -256,000 | -77,000 | -4,449,000 |
| Income tax | 143,000 | -96,000 | -29,000 | 9,452,000 |
| Net income | 236,000 | -160,000 | -48,000 | -13,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,597,000 | 30,061,000 | 30,129,000 | 25,932,000 |
| Total capital | 35,199,000 | 33,538,000 | 33,600,000 | 29,361,000 |
| Risk-weighted assets | 285,129,000 | 274,040,000 | 274,048,000 | 268,038,000 |
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