Call reports 2006
REGENTS BANK, NATIONAL ASSOCIATION — 2006
What REGENTS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 227,843,000 | 235,689,000 | 255,944,000 | 267,575,000 |
| Total loans | 158,338,000 | 170,254,000 | 185,626,000 | 188,805,000 |
| Allowance for loan losses | 1,949,000 | 2,037,000 | 2,141,000 | 2,321,000 |
| Securities available for sale | 42,589,000 | 47,966,000 | 49,542,000 | 45,381,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,791,000 | 212,408,000 | 234,109,000 | 246,033,000 |
| Interest-bearing deposits | 129,004,000 | 136,975,000 | 154,948,000 | 149,214,000 |
| Noninterest-bearing deposits | 80,787,000 | 75,433,000 | 79,161,000 | 96,819,000 |
| Equity capital | 16,626,000 | 17,510,000 | 18,494,000 | 19,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,665,000 | 7,720,000 | 12,365,000 | 17,175,000 |
| Interest expense | 896,000 | 2,003,000 | 3,342,000 | 4,755,000 |
| Net interest income | 2,769,000 | 5,717,000 | 9,023,000 | 12,420,000 |
| Noninterest income | 101,000 | 205,000 | 414,000 | 641,000 |
| Noninterest expense | 1,863,000 | 3,793,000 | 5,831,000 | 7,938,000 |
| Provision for loan losses | 46,000 | 322,000 | 426,000 | 727,000 |
| Pretax income | 961,000 | 1,807,000 | 3,180,000 | 4,396,000 |
| Income tax | 380,000 | 714,000 | 1,257,000 | 1,782,000 |
| Net income | 581,000 | 1,093,000 | 1,923,000 | 2,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,722,000 | 17,633,000 | 18,464,000 | 19,180,000 |
| Total capital | 18,713,000 | 19,712,000 | 20,650,000 | 21,545,000 |
| Risk-weighted assets | 180,513,000 | 185,228,000 | 193,442,000 | 204,377,000 |