Call reports 2011
REGENTS BANK, NATIONAL ASSOCIATION — 2011
What REGENTS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 336,369,000 | 354,779,000 | 353,371,000 | 344,612,000 |
| Total loans | 218,945,000 | 216,727,000 | 208,104,000 | 217,432,000 |
| Allowance for loan losses | 5,611,000 | 5,252,000 | 5,368,000 | 5,494,000 |
| Securities available for sale | 12,681,000 | 12,116,000 | 11,481,000 | 10,999,000 |
| Securities held to maturity | 6,204,000 | 6,020,000 | 5,878,000 | 5,660,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,772,000 | 314,586,000 | 312,305,000 | 302,638,000 |
| Interest-bearing deposits | 159,965,000 | 155,015,000 | 155,883,000 | 153,460,000 |
| Noninterest-bearing deposits | 134,807,000 | 159,571,000 | 156,422,000 | 149,178,000 |
| Equity capital | 38,897,000 | 39,128,000 | 39,521,000 | 39,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,476,000 | 7,068,000 | 10,551,000 | 13,917,000 |
| Interest expense | 185,000 | 355,000 | 513,000 | 659,000 |
| Net interest income | 3,291,000 | 6,713,000 | 10,038,000 | 13,258,000 |
| Noninterest income | 230,000 | 459,000 | 681,000 | 907,000 |
| Noninterest expense | 2,700,000 | 5,379,000 | 8,230,000 | 10,991,000 |
| Provision for loan losses | 0 | 542,000 | 542,000 | 542,000 |
| Pretax income | 911,000 | 1,341,000 | 2,043,000 | 2,741,000 |
| Income tax | 351,000 | 519,000 | 791,000 | 1,050,000 |
| Net income | 560,000 | 822,000 | 1,252,000 | 1,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,784,000 | 39,046,000 | 39,476,000 | 39,914,000 |
| Total capital | 41,719,000 | 41,937,000 | 42,263,000 | 42,803,000 |
| Risk-weighted assets | 232,066,000 | 228,839,000 | 220,129,000 | 228,235,000 |