Regent Bank in Greenville, South Carolina (SC)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 2011

  • Regent Bank in Greenville, South Carolina (SC)
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Regent Bank - Overview

  • General
  • FDIC Certificate #: 58873
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank of North Carolina (#33527)
    Federal Reserve ID: 3824270
    Date Established: April 14, 2009
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Interstate: No)
    OTS Docket #: 18108
    FDIC's unique #: 473492
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: April 14, 2009
    Last Structure Change Effective Date: December 31, 2011
    Last Structure Change Process Date: January 09, 2012
    Last Data Update: January 09, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 550 E Mcbee Avenue, Greenville, SC 29601
    County: Greenville
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Columbia Sc
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Greenville-Spartanburg-Anderson, SC (#3160)
    Combined Statistical Area (CSA): Greenville-Spartanburg-Anderson, SC (#273)
    Core Based Statistical Area (CBSA): Greenville-Mauldin-Easley, SC (#24860)
    CBSA Metro Statistical Area: Greenville-Mauldin-Easley, SC (#24860)
  • Financial Summary
  • Total assets: $54.2 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, 2010)

  • Dollar figures in thousands
  • 12Total employees (full-time equivalent)
  • $44,841Total assets
  • $1,031Cash and due from depository institutions
  • $0Interest-bearing balances
  • $0Securities
  • $6,344Federal funds sold & reverse repurchase agreements
  • $33,888Net loans & leases
  • $346Loan loss allowance
  • $0Trading account assets
  • $2,584Bank premises and fixed assets
  • $0Other real estate owned
  • $13Goodwill and other intangibles
  • $0Life insurance assets
  • $981All other assets
  • $44,841Total liabilities and capital
  • $36,795Total liabilities
  • $36,571Total deposits
  • $33,536Interest-bearing deposits
  • $36,571Deposits held in domestic offices
  • 91.77%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $224All other liabilities
  • $8,046Total equity capital
  • $8,046Total bank equity capital
  • $8,046Perpetual preferred stock
  • $0Common stock
  • $1,200Surplus
  • $8,879Undivided profits
  • Memoranda
  • $-2,033Noncurrent loans and leases
  • $5,458Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $112Average Assets, year-to-date
  • $40,232Average Assets, quarterly
  • $0Volatile liabilities
  • $34,147Insider loans
  • $40,859FHLB advances
  • $9,273Loans and leases held for sale
  • $3,885Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,458Total unused commitments
  • $0Restructured Loans and leases
  • $346Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $1,475Total interest income
  • $380Total interest expense
  • $1,095Net interest income
  • $266Provision for loan and lease losses
  • $176Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $176Additional noninterest income
  • $2,124Total noninterest expense
  • $983Salaries and employee benefits
  • $407Premises and equipment expense
  • $734Additional noninterest expense
  • -$1,119Pre-tax net operating income
  • $0Securities gains (losses)
  • -$421Applicable income taxes
  • -$698Income before extraordinary items
  • $0Extraordinary gains - net
  • -$698Net income attributable to bank
  • $0Net charge-offs
  • -$698Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 3.47%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 6.73%Noninterest expense to earning assets
  • -2.04%Net operating income to assets
  • -2.04%Return on assets (ROA)
  • -3.28%Pretax return on assets
  • -8.39%Return on equity (ROE)
  • -8.39%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 166,326Assets per employee
  • 3.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 92.66%Net loans and leases to core deposits
  • 124.14%Equity capital to assets
  • 17.94%Core capital (leverage) ratio
  • 16.66%Tier 1 risk-based capital ratio
  • 19.99%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $34,147Average earning assets
  • $8,316Average equity
  • $31,566Average loans

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