Call reports 2008
REGENTS BANK, NATIONAL ASSOCIATION — 2008
What REGENTS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 280,455,000 | 282,195,000 | 286,056,000 | 290,950,000 |
| Total loans | 219,887,000 | 235,848,000 | 242,003,000 | 245,530,000 |
| Allowance for loan losses | 2,912,000 | 3,651,000 | 3,874,000 | 4,133,000 |
| Securities available for sale | 27,754,000 | 24,561,000 | 21,997,000 | 19,115,000 |
| Securities held to maturity | 7,491,000 | 7,000,000 | 6,883,000 | 6,847,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,852,000 | 243,275,000 | 255,780,000 | 265,614,000 |
| Interest-bearing deposits | 175,664,000 | 155,985,000 | 168,740,000 | 173,254,000 |
| Noninterest-bearing deposits | 82,188,000 | 87,290,000 | 87,040,000 | 92,360,000 |
| Equity capital | 21,988,000 | 22,193,000 | 24,885,000 | 24,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,744,000 | 9,136,000 | 13,629,000 | 17,796,000 |
| Interest expense | 1,303,000 | 2,168,000 | 2,994,000 | 3,725,000 |
| Net interest income | 3,441,000 | 6,968,000 | 10,635,000 | 14,071,000 |
| Noninterest income | 250,000 | 481,000 | 731,000 | 981,000 |
| Noninterest expense | 2,079,000 | 4,368,000 | 6,597,000 | 8,746,000 |
| Provision for loan losses | 262,000 | 1,001,000 | 1,224,000 | 1,759,000 |
| Pretax income | 42,000 | 156,000 | 1,519,000 | 1,717,000 |
| Income tax | -6,000 | 35,000 | 566,000 | 509,000 |
| Net income | 48,000 | 121,000 | 953,000 | 1,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,868,000 | 22,940,000 | 26,022,000 | 26,309,000 |
| Total capital | 25,825,000 | 26,058,000 | 29,215,000 | 29,517,000 |
| Risk-weighted assets | 237,814,000 | 248,864,000 | 254,706,000 | 255,707,000 |