Regent Bank in city_name, state_name - Detailed Financial Reports, Location

Regent Bank in Nowata, Oklahoma (OK)
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Regent Bank routing number info

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Regent Bank - Overview

General
FDIC Certificate #: 4160
Status: Active
Federal Reserve ID: 309655
Bank Holding Company (Regulatory Top Holder): Regent Capital Corporation (RSSDID: 3632000, Location: Nowata, OK)
Date Established: January 01, 1898
WWW: http://www.bankregent.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 13887
FDIC's unique #: 2720
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: May 19, 2008
Last Structure Change Process Date: June 05, 2008
Last Data Update: June 05, 2008
Data Source Date: April 05, 2012
Location
Address: 105 North Maple Street, Nowata, OK 74048
County: Nowata
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Tulsa
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
History of Changes
Name Change
Change in Primary Regulatory Agency
Change in Supervisory Agency
Financial Summary
Total assets: $164.1 mil
Equity capital: $18.7 mil
Deposits held in domestic offices: $128.9 mil
Return on assets (ROA): 0.54% ($0.9 mil)
Quarterly return on assets: 0.52% ($0.9 mil)
Return on Equity (ROE): 4.72% ($0.9 mil)
Quarterly return on equity: 4.49% ($0.9 mil)
Net income: $0.8 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.84% ($1,378.6 mil)
Quarterly Pretax return on assets: 0.81% ($1,329.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
45Total employees (full-time equivalent)
$164,117Total assets
$4,804Cash and due from depository institutions
$997Interest-bearing balances
$15,400Securities
$0Federal funds sold & reverse repurchase agreements
$130,311Net loans & leases
$1,570Loan loss allowance
$0Trading account assets
$2,876Bank premises and fixed assets
$1,402Other real estate owned
$3,921Goodwill and other intangibles
$164,117Life insurance assets
$5,403All other assets
$145,397Total liabilities and capital
$128,925Total liabilities
$111,291Total deposits
$128,925Interest-bearing deposits
$92Deposits held in domestic offices
1633.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$14,000Trading liabilities
$0Other borrowed funds
$839Subordinated debt
$18,720All other liabilities
$18,720Total equity capital
$18,720Total bank equity capital
$0Perpetual preferred stock
$102Common stock
$17,764Surplus
$854Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,119Income earned, not collected on loans
$778Earning assets
$653Long-term assets (5+ years)
$146,708Average Assets, year-to-date
$27,338Average Assets, quarterly
$156,451Volatile liabilities
$160,513Insider loans
$123,046FHLB advances
$154,170Loans and leases held for sale
$2,117Unused loan commitments
$2,117Tier 1 (core) risk-based capital
$14,631Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$12,745Restructured Loans and leases
$3,840Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,753Total interest income
$1,382Total interest expense
$6,371Net interest income
$1,210Provision for loan and lease losses
$1,237Total noninterest income
$55Fiduciary activities
$332Service charges on deposit accounts
$0Trading account gains & fees
$850Additional noninterest income
$5,095Total noninterest expense
$2,692Salaries and employee benefits
$728Premises and equipment expense
$1,675Additional noninterest expense
$1,303Pre-tax net operating income
$10Securities gains (losses)
$465Applicable income taxes
$848Income before extraordinary items
$0Extraordinary gains - net
$848Net income attributable to bank
$0Net charge-offs
$848Cash dividends
$1,020Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.52%Yield on earning assets
0.98%Cost of funding earning assets
4.54%Net interest margin
0.88%Noninterest income to earning assets
3.63%Noninterest expense to earning assets
0.54%Net operating income to assets
0.54%Return on assets (ROA)
0.84%Pretax return on assets
4.72%Return on equity (ROE)
4.72%Retained earnings to average equity (YTD only)
0.84%Net charge-offs to loans
118.63%Credit loss provision to net charge-offs
2.46%Efficiency ratio
66,969Assets per employee
3.65%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.19%Loss allowance to noncurrent loans
50.34%Noncurrent assets plus other real estate owned to assets
2.75%Noncurrent loans to loans
2.37%Net loans and leases to deposits
101.08%Net loans and leases to core deposits
121.37%Equity capital to assets
11.41%Core capital (leverage) ratio
9.49%Tier 1 risk-based capital ratio
11.89%Total risk-based capital ratio
Memoranda
$13Average assets
$156,451Average earning assets
$17,954Average equity
$140,472Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$9,717Managed Assets
1Number of Accounts
$2,457Personal trust and agency accounts
$2,294Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$131Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$32Non-managed Assets
32Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$7,260Other retirement accounts
$891Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

3 Oklahoma Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	2720	Regent Bank	105 North Maple Street, Nowata, OK 74048	January 01, 1898	Full Service Brick and Mortar
1	202340	Nowata Branch	212 West Cherokee, Nowata, OK 74048	November 17, 1983	Limited Service Facility
3	479947	Regent Bank Branch	7136 S. Yale, Suite 100, Tulsa, OK 74136	August 04, 2008	Full Service Brick and Mortar

Regent Bank in Nowata, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Regent Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Regent Bank in Nowata, Oklahoma (OK)Overview, Financial Summary, Detailed Financial Reports, Branches

Regent Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Regent Bank in Nowata, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches