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


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
  • NoIDNameAddressEstablishedService TypeMap
    02720Regent Bank105 North Maple Street, Nowata, OK 74048January 01, 1898Full Service Brick and Mortar
    1202340Nowata Branch212 West Cherokee, Nowata, OK 74048November 17, 1983Limited Service Facility
    3479947Regent Bank Branch7136 S. Yale, Suite 100, Tulsa, OK 74136August 04, 2008Full Service Brick and Mortar

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