Call reports 2015
REGENT BANK — 2015
What REGENT BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 349,460,000 | 347,444,000 | 344,926,000 | 362,356,000 |
| Total loans | 272,411,000 | 268,683,000 | 264,970,000 | 273,895,000 |
| Allowance for loan losses | 7,270,000 | 7,260,000 | 7,182,000 | 7,048,000 |
| Securities available for sale | 20,903,000 | 18,975,000 | 17,426,000 | 16,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,434,000 | 299,935,000 | 295,274,000 | 293,035,000 |
| Interest-bearing deposits | 203,484,000 | 200,214,000 | 200,626,000 | 194,538,000 |
| Noninterest-bearing deposits | 98,950,000 | 99,721,000 | 94,648,000 | 98,497,000 |
| Equity capital | 35,792,000 | 36,277,000 | 36,781,000 | 38,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,275,000 | 6,709,000 | 10,030,000 | 13,484,000 |
| Interest expense | 334,000 | 660,000 | 979,000 | 1,300,000 |
| Net interest income | 2,941,000 | 6,049,000 | 9,051,000 | 12,184,000 |
| Noninterest income | 596,000 | 1,135,000 | 1,685,000 | 2,192,000 |
| Noninterest expense | 3,167,000 | 6,332,000 | 9,415,000 | 12,523,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 393,000 | 875,000 | 1,365,000 | 1,897,000 |
| Income tax | 0 | 0 | 0 | -1,111,000 |
| Net income | 393,000 | 875,000 | 1,365,000 | 3,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,820,000 | 36,304,000 | 36,803,000 | 38,418,000 |
| Total capital | 39,331,000 | 39,809,000 | 40,308,000 | 42,034,000 |
| Risk-weighted assets | 277,150,000 | 276,651,000 | 276,700,000 | 285,860,000 |