Call reports 2012
REGENTS BANK, NATIONAL ASSOCIATION — 2012
What REGENTS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 356,369,000 | 355,983,000 | 362,451,000 | 620,550,000 |
| Total loans | 212,924,000 | 207,584,000 | 223,373,000 | 403,029,000 |
| Allowance for loan losses | 100,000 | 569,000 | 1,132,000 | 1,510,000 |
| Securities available for sale | 12,899,000 | 11,756,000 | 41,017,000 | 63,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,475,000 | 306,445,000 | 311,974,000 | 537,998,000 |
| Interest-bearing deposits | 165,422,000 | 155,194,000 | 159,503,000 | 319,945,000 |
| Noninterest-bearing deposits | 143,053,000 | 151,251,000 | 152,471,000 | 218,053,000 |
| Equity capital | 47,352,000 | 48,236,000 | 48,713,000 | 79,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,088,000 | 8,036,000 | 11,874,000 | 16,941,000 |
| Interest expense | 95,000 | 230,000 | 355,000 | 540,000 |
| Net interest income | 2,993,000 | 7,806,000 | 11,519,000 | 16,401,000 |
| Noninterest income | 164,000 | 430,000 | 621,000 | 845,000 |
| Noninterest expense | 2,015,000 | 4,991,000 | 8,132,000 | 11,768,000 |
| Provision for loan losses | 100,000 | 791,000 | 1,352,000 | 3,479,000 |
| Pretax income | 1,042,000 | 2,499,000 | 2,761,000 | 2,098,000 |
| Income tax | 417,000 | 999,000 | 1,104,000 | 866,000 |
| Net income | 625,000 | 1,500,000 | 1,657,000 | 1,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,273,000 | 38,218,000 | 38,578,000 | 58,075,000 |
| Total capital | 37,408,000 | 38,904,000 | 40,071,000 | 59,920,000 |
| Risk-weighted assets | 221,025,000 | 212,344,000 | 238,943,000 | 431,004,000 |