Call reports 2010
REGENTS BANK, NATIONAL ASSOCIATION — 2010
What REGENTS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 365,558,000 | 387,348,000 | 341,227,000 | 322,007,000 |
| Total loans | 224,800,000 | 237,399,000 | 225,923,000 | 220,666,000 |
| Allowance for loan losses | 4,580,000 | 5,478,000 | 5,486,000 | 5,600,000 |
| Securities available for sale | 15,128,000 | 14,652,000 | 13,870,000 | 13,338,000 |
| Securities held to maturity | 6,718,000 | 6,683,000 | 6,617,000 | 6,431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,976,000 | 349,543,000 | 302,412,000 | 281,728,000 |
| Interest-bearing deposits | 211,826,000 | 231,960,000 | 160,765,000 | 156,362,000 |
| Noninterest-bearing deposits | 115,150,000 | 117,583,000 | 141,647,000 | 125,366,000 |
| Equity capital | 37,483,000 | 36,655,000 | 37,548,000 | 38,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,612,000 | 7,427,000 | 11,380,000 | 15,083,000 |
| Interest expense | 284,000 | 557,000 | 775,000 | 974,000 |
| Net interest income | 3,328,000 | 6,870,000 | 10,605,000 | 14,109,000 |
| Noninterest income | 200,000 | 425,000 | 667,000 | 894,000 |
| Noninterest expense | 2,639,000 | 5,233,000 | 7,848,000 | 10,367,000 |
| Provision for loan losses | 842,000 | 3,518,000 | 3,518,000 | 3,518,000 |
| Pretax income | 41,000 | -1,446,000 | -96,000 | 1,075,000 |
| Income tax | 12,000 | -548,000 | -28,000 | 444,000 |
| Net income | 29,000 | -898,000 | -68,000 | 631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,623,000 | 36,696,000 | 37,526,000 | 38,224,000 |
| Total capital | 40,633,000 | 39,834,000 | 40,489,000 | 41,115,000 |
| Risk-weighted assets | 239,202,000 | 248,695,000 | 234,501,000 | 228,496,000 |