Call reports 2002
REGENTS BANK, NATIONAL ASSOCIATION — 2002
What REGENTS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 55,680,000 | 65,539,000 | 76,816,000 | 91,101,000 |
| Total loans | 20,528,000 | 33,283,000 | 43,316,000 | 56,232,000 |
| Allowance for loan losses | 266,000 | 430,000 | 578,000 | 728,000 |
| Securities available for sale | 2,026,000 | 5,090,000 | 5,069,000 | 5,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,142,000 | 57,388,000 | 68,348,000 | 82,818,000 |
| Interest-bearing deposits | 25,968,000 | 29,251,000 | 41,504,000 | 50,585,000 |
| Noninterest-bearing deposits | 21,174,000 | 28,137,000 | 26,844,000 | 32,233,000 |
| Equity capital | 8,457,000 | 8,041,000 | 8,299,000 | 8,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 346,000 | 926,000 | 1,652,000 | 2,543,000 |
| Interest expense | 75,000 | 181,000 | 308,000 | 443,000 |
| Net interest income | 271,000 | 745,000 | 1,344,000 | 2,100,000 |
| Noninterest income | 23,000 | 127,000 | 216,000 | 381,000 |
| Noninterest expense | 844,000 | 1,704,000 | 2,585,000 | 3,541,000 |
| Provision for loan losses | 94,000 | 258,000 | 406,000 | 556,000 |
| Pretax income | -644,000 | -1,090,000 | -1,431,000 | -1,616,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -645,000 | -1,091,000 | -1,432,000 | -1,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,457,000 | 8,011,000 | 8,270,000 | 8,138,000 |
| Total capital | 8,723,000 | 8,441,000 | 8,848,000 | 8,866,000 |
| Risk-weighted assets | 28,726,000 | 41,403,000 | 52,406,000 | 66,619,000 |