Call reports 2007
REGENTS BANK, NATIONAL ASSOCIATION — 2007
What REGENTS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 271,490,000 | 278,546,000 | 270,981,000 | 291,573,000 |
| Total loans | 198,018,000 | 207,307,000 | 206,726,000 | 207,505,000 |
| Allowance for loan losses | 2,571,000 | 2,610,000 | 2,673,000 | 2,657,000 |
| Securities available for sale | 48,261,000 | 48,524,000 | 43,161,000 | 28,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 11,461,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,217,000 | 256,748,000 | 248,617,000 | 268,667,000 |
| Interest-bearing deposits | 165,508,000 | 165,585,000 | 164,754,000 | 182,607,000 |
| Noninterest-bearing deposits | 83,709,000 | 91,163,000 | 83,863,000 | 86,060,000 |
| Equity capital | 19,980,000 | 21,046,000 | 21,336,000 | 22,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,936,000 | 10,182,000 | 15,456,000 | 20,613,000 |
| Interest expense | 1,443,000 | 3,010,000 | 4,620,000 | 6,214,000 |
| Net interest income | 3,493,000 | 7,172,000 | 10,836,000 | 14,399,000 |
| Noninterest income | 176,000 | 421,000 | 656,000 | 678,000 |
| Noninterest expense | 2,213,000 | 4,478,000 | 6,696,000 | 8,876,000 |
| Provision for loan losses | 250,000 | 353,000 | 416,000 | 565,000 |
| Pretax income | 1,206,000 | 2,762,000 | 4,380,000 | 5,636,000 |
| Income tax | 473,000 | 1,085,000 | 1,723,000 | 2,242,000 |
| Net income | 733,000 | 1,677,000 | 2,657,000 | 3,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,913,000 | 20,971,000 | 21,950,000 | 22,819,000 |
| Total capital | 22,528,000 | 23,626,000 | 24,666,000 | 25,526,000 |
| Risk-weighted assets | 213,916,000 | 225,437,000 | 222,075,000 | 230,797,000 |