Call reports 2004
REGENTS BANK, NATIONAL ASSOCIATION — 2004
What REGENTS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 146,742,000 | 162,045,000 | 160,016,000 | 168,559,000 |
| Total loans | 83,696,000 | 97,529,000 | 103,282,000 | 110,413,000 |
| Allowance for loan losses | 1,063,000 | 1,173,000 | 1,279,000 | 1,358,000 |
| Securities available for sale | 3,243,000 | 3,262,000 | 3,282,000 | 3,304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,019,000 | 149,205,000 | 146,800,000 | 154,714,000 |
| Interest-bearing deposits | 83,816,000 | 93,343,000 | 88,508,000 | 86,000,000 |
| Noninterest-bearing deposits | 51,203,000 | 55,862,000 | 58,292,000 | 68,714,000 |
| Equity capital | 11,474,000 | 12,621,000 | 12,944,000 | 13,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,302,000 | 2,755,000 | 4,444,000 | 6,326,000 |
| Interest expense | 166,000 | 349,000 | 537,000 | 763,000 |
| Net interest income | 1,136,000 | 2,406,000 | 3,907,000 | 5,563,000 |
| Noninterest income | 211,000 | 353,000 | 473,000 | 581,000 |
| Noninterest expense | 1,159,000 | 2,343,000 | 3,595,000 | 4,872,000 |
| Provision for loan losses | 50,000 | 160,000 | 266,000 | 345,000 |
| Pretax income | 138,000 | 256,000 | 519,000 | 927,000 |
| Income tax | -221,000 | -250,000 | -310,000 | -574,000 |
| Net income | 359,000 | 506,000 | 829,000 | 1,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,474,000 | 12,621,000 | 12,944,000 | 13,673,000 |
| Total capital | 12,537,000 | 13,794,000 | 14,223,000 | 15,054,000 |
| Risk-weighted assets | 104,190,000 | 119,796,000 | 124,745,000 | 134,692,000 |