Call reports 2005
REGENTS BANK, NATIONAL ASSOCIATION — 2005
What REGENTS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 166,640,000 | 180,159,000 | 202,551,000 | 212,171,000 |
| Total loans | 111,212,000 | 123,699,000 | 134,937,000 | 153,515,000 |
| Allowance for loan losses | 1,346,000 | 1,524,000 | 1,649,000 | 1,903,000 |
| Securities available for sale | 3,329,000 | 0 | 37,478,000 | 41,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,103,000 | 158,100,000 | 186,654,000 | 185,941,000 |
| Interest-bearing deposits | 84,558,000 | 97,311,000 | 107,739,000 | 103,280,000 |
| Noninterest-bearing deposits | 67,545,000 | 60,789,000 | 78,915,000 | 82,661,000 |
| Equity capital | 14,037,000 | 14,304,000 | 14,722,000 | 16,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,116,000 | 4,464,000 | 7,326,000 | 10,571,000 |
| Interest expense | 290,000 | 677,000 | 1,256,000 | 1,952,000 |
| Net interest income | 1,826,000 | 3,787,000 | 6,070,000 | 8,619,000 |
| Noninterest income | 102,000 | 263,000 | 464,000 | 694,000 |
| Noninterest expense | 1,339,000 | 2,841,000 | 4,493,000 | 6,272,000 |
| Provision for loan losses | -12,000 | 166,000 | 291,000 | 545,000 |
| Pretax income | 601,000 | 1,043,000 | 1,750,000 | 2,496,000 |
| Income tax | 238,000 | 413,000 | 693,000 | 967,000 |
| Net income | 363,000 | 630,000 | 1,057,000 | 1,529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,037,000 | 14,304,000 | 14,722,000 | 16,141,000 |
| Total capital | 15,410,000 | 15,857,000 | 16,404,000 | 18,082,000 |
| Risk-weighted assets | 136,275,000 | 145,649,000 | 157,206,000 | 172,601,000 |