Call reports 2013
REGENTS BANK, NATIONAL ASSOCIATION — 2013
What REGENTS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 |
|---|---|---|
| Total assets | 618,856,000 | 587,550,000 |
| Total loans | 418,275,000 | 428,490,000 |
| Allowance for loan losses | 2,357,000 | 2,733,000 |
| Securities available for sale | 64,760,000 | 63,516,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 537,357,000 | 505,589,000 |
| Interest-bearing deposits | 316,986,000 | 302,564,000 |
| Noninterest-bearing deposits | 220,371,000 | 203,025,000 |
| Equity capital | 79,707,000 | 79,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 |
|---|---|---|
| Interest income | 7,046,000 | 13,921,000 |
| Interest expense | 325,000 | 609,000 |
| Net interest income | 6,721,000 | 13,312,000 |
| Noninterest income | 1,157,000 | 1,434,000 |
| Noninterest expense | 6,179,000 | 11,520,000 |
| Provision for loan losses | 913,000 | 1,532,000 |
| Pretax income | 826,000 | 1,734,000 |
| Income tax | 343,000 | 716,000 |
| Net income | 483,000 | 1,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 |
|---|---|---|
| Tier 1 capital | 58,674,000 | 59,364,000 |
| Total capital | 61,366,000 | 62,339,000 |
| Risk-weighted assets | 441,201,000 | 454,786,000 |