Call reports 2003
REGENTS BANK, NATIONAL ASSOCIATION — 2003
What REGENTS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 93,793,000 | 107,706,000 | 122,976,000 | 136,194,000 |
| Total loans | 58,699,000 | 66,100,000 | 71,503,000 | 81,685,000 |
| Allowance for loan losses | 803,000 | 853,000 | 903,000 | 1,013,000 |
| Securities available for sale | 2,006,000 | 0 | 11,581,000 | 3,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,434,000 | 98,863,000 | 112,069,000 | 124,964,000 |
| Interest-bearing deposits | 54,512,000 | 61,537,000 | 67,890,000 | 78,731,000 |
| Noninterest-bearing deposits | 30,922,000 | 37,326,000 | 44,179,000 | 46,233,000 |
| Equity capital | 8,183,000 | 8,650,000 | 10,671,000 | 11,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 945,000 | 1,975,000 | 3,085,000 | 4,333,000 |
| Interest expense | 129,000 | 286,000 | 432,000 | 589,000 |
| Net interest income | 816,000 | 1,689,000 | 2,653,000 | 3,744,000 |
| Noninterest income | 280,000 | 400,000 | 549,000 | 876,000 |
| Noninterest expense | 980,000 | 1,952,000 | 2,994,000 | 4,164,000 |
| Provision for loan losses | 75,000 | 125,000 | 175,000 | 285,000 |
| Pretax income | 41,000 | 12,000 | 33,000 | 171,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 41,000 | 12,000 | 33,000 | 171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,179,000 | 8,650,000 | 10,671,000 | 11,115,000 |
| Total capital | 8,982,000 | 9,503,000 | 11,574,000 | 12,128,000 |
| Risk-weighted assets | 70,495,000 | 78,325,000 | 87,758,000 | 100,216,000 |