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Regent Bank, Income and Expense

2011-09-30 (YTD Data)Rank
Total interest income$1,658,0006,361
Total interest expense$389,0005,895
Net interest income$1,269,0006,404
Provision for loan and lease losses$83,0005,177
Total noninterest income$210,0005,394
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$10,0006,865
Trading account gains and fees$0145
Additional Noninterest Income$200,0004,083
Total noninterest expense$1,774,0005,483
Salaries and employee benefits$845,0005,660
Premises and equipment expense$296,0004,640
Additional noninterest expense$633,0005,318
Pre-tax net operating income$-378,0006,528
Securities gains (losses)$03,555
Applicable income taxes$-142,0007,045
Income before extraordinary items$-236,0006,536
Extraordinary gains, net$021
Net income$-236,0006,537
Minority interest net income$087
Net income of bank and minority interests.$-236,0006,537
Net charge-offs$06,185
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$-236,0006,472
2011-06-30 (YTD Data)Rank
Total interest income$1,070,0006,464
Total interest expense$257,0006,038
Net interest income$813,0006,506
Provision for loan and lease losses$50,0005,106
Total noninterest income$131,0005,521
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$7,0006,898
Trading account gains and fees$0153
Additional Noninterest Income$124,0004,248
Total noninterest expense$1,165,0005,581
Salaries and employee benefits$559,0005,726
Premises and equipment expense$196,0004,700
Additional noninterest expense$410,0005,473
Pre-tax net operating income$-271,0006,629
Securities gains (losses)$02,914
Applicable income taxes$-102,0007,113
Income before extraordinary items$-169,0006,591
Extraordinary gains, net$015
Net income$-169,0006,591
Minority interest net income$089
Net income of bank and minority interests.$-169,0006,591
Net charge-offs$05,875
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$0986
Net operating income$-169,0006,555
2011-03-31 (YTD Data)Rank
Total interest income$523,0006,547
Total interest expense$120,0006,234
Net interest income$403,0006,555
Provision for loan and lease losses$26,0004,815
Total noninterest income$77,0005,335
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$3,0006,929
Trading account gains and fees$0158
Additional Noninterest Income$74,0004,031
Total noninterest expense$597,0005,564
Salaries and employee benefits$285,0005,733
Premises and equipment expense$98,0004,744
Additional noninterest expense$214,0005,359
Pre-tax net operating income$-143,0006,751
Securities gains (losses)$01,772
Applicable income taxes$-54,0007,204
Income before extraordinary items$-89,0006,694
Extraordinary gains, net$09
Net income$-89,0006,694
Minority interest net income$086
Net income of bank and minority interests.$-89,0006,694
Net charge-offs$05,107
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$0925
Net operating income$-89,0006,684
2010-12-31 (YTD Data)Rank
Total interest income$1,475,0007,070
Total interest expense$380,0006,849
Net interest income$1,095,0007,080
Provision for loan and lease losses$266,0005,008
Total noninterest income$176,0006,118
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0175
Additional Noninterest Income$176,0004,769
Total noninterest expense$2,124,0005,890
Salaries and employee benefits$983,0006,065
Premises and equipment expense$407,0004,717
Additional noninterest expense$734,0005,799
Pre-tax net operating income$-1,119,0006,533
Securities gains (losses)$03,793
Applicable income taxes$-421,0007,124
Income before extraordinary items$-698,0006,462
Extraordinary gains, net$029
Net income$-698,0006,463
Minority interest net income$0111
Net income of bank and minority interests.$-698,0006,463
Net charge-offs$06,851
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$-698,0006,423
2010-09-30 (YTD Data)Rank
Total interest income$1,005,0007,270
Total interest expense$265,0007,044
Net interest income$740,0007,280
Provision for loan and lease losses$230,0004,675
Total noninterest income$115,0006,379
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0165
Additional Noninterest Income$115,0005,025
Total noninterest expense$1,531,0006,007
Salaries and employee benefits$715,0006,165
Premises and equipment expense$290,0004,905
Additional noninterest expense$526,0005,924
Pre-tax net operating income$-906,0006,753
Securities gains (losses)$03,651
Applicable income taxes$-341,0007,298
Income before extraordinary items$-565,0006,705
Extraordinary gains, net$023
Net income$-565,0006,706
Minority interest net income$0110
Net income of bank and minority interests.$-565,0006,706
Net charge-offs$06,672
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$-565,0006,645
2010-06-30 (YTD Data)Rank
Total interest income$574,0007,460
Total interest expense$162,0007,205
Net interest income$412,0007,463
Provision for loan and lease losses$227,0004,047
Total noninterest income$81,0006,357
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0152
Additional Noninterest Income$81,0004,969
Total noninterest expense$1,057,0005,969
Salaries and employee benefits$506,0006,085
Premises and equipment expense$204,0004,818
Additional noninterest expense$347,0005,973
Pre-tax net operating income$-791,0006,906
Securities gains (losses)$03,184
Applicable income taxes$-298,0007,398
Income before extraordinary items$-493,0006,856
Extraordinary gains, net$019
Net income$-493,0006,858
Minority interest net income$0105
Net income of bank and minority interests.$-493,0006,857
Net charge-offs$06,372
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-493,0006,809
2010-03-31 (YTD Data)Rank
Total interest income$205,0007,726
Total interest expense$68,0007,462
Net interest income$137,0007,749
Provision for loan and lease losses$90,0004,075
Total noninterest income$53,0006,045
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0175
Additional Noninterest Income$53,0004,593
Total noninterest expense$525,0006,064
Salaries and employee benefits$245,0006,235
Premises and equipment expense$114,0004,601
Additional noninterest expense$166,0006,123
Pre-tax net operating income$-425,0007,120
Securities gains (losses)$02,284
Applicable income taxes$-160,0007,522
Income before extraordinary items$-265,0007,031
Extraordinary gains, net$016
Net income$-265,0007,032
Minority interest net income$091
Net income of bank and minority interests.$-265,0007,031
Net charge-offs$05,610
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$-265,0006,991
2009-12-31 (YTD Data)Rank
Total interest income$282,0007,963
Total interest expense$118,0007,888
Net interest income$164,0007,963
Provision for loan and lease losses$80,0006,587
Total noninterest income$97,0007,001
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0211
Additional Noninterest Income$97,0005,679
Total noninterest expense$1,577,0006,690
Salaries and employee benefits$717,0006,929
Premises and equipment expense$377,0005,141
Additional noninterest expense$483,0006,836
Pre-tax net operating income$-1,396,0006,412
Securities gains (losses)$03,754
Applicable income taxes$-525,0007,054
Income before extraordinary items$-871,0006,300
Extraordinary gains, net$034
Net income$-871,0006,299
Minority interest net income$0115
Net income of bank and minority interests.$-871,0006,299
Net charge-offs$07,246
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$10,001,00094
Net operating income$-871,0006,307
2009-09-30 (YTD Data)Rank
Total interest income$116,0008,066
Total interest expense$63,0008,003
Net interest income$53,0008,065
Provision for loan and lease losses$25,0006,864
Total noninterest income$56,0007,329
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0212
Additional Noninterest Income$56,0006,110
Total noninterest expense$996,0007,039
Salaries and employee benefits$460,0007,215
Premises and equipment expense$244,0005,524
Additional noninterest expense$292,0007,156
Pre-tax net operating income$-912,0006,612
Securities gains (losses)$03,497
Applicable income taxes$-343,0007,232
Income before extraordinary items$-569,0006,480
Extraordinary gains, net$027
Net income$-569,0006,481
Minority interest net income$0118
Net income of bank and minority interests.$-569,0006,480
Net charge-offs$06,987
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$10,001,00075
Net operating income$-569,0006,477
2009-06-30 (YTD Data)Rank
Total interest income$35,0008,175
Total interest expense$20,0008,134
Net interest income$15,0008,170
Provision for loan and lease losses$25,0006,581
Total noninterest income$27,0007,566
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0193
Additional Noninterest Income$27,0006,503
Total noninterest expense$447,0007,619
Salaries and employee benefits$200,0007,777
Premises and equipment expense$113,0006,353
Additional noninterest expense$134,0007,640
Pre-tax net operating income$-430,0006,572
Securities gains (losses)$03,136
Applicable income taxes$-162,0007,261
Income before extraordinary items$-268,0006,500
Extraordinary gains, net$021
Net income$-268,0006,499
Minority interest net income$0112
Net income of bank and minority interests.$-268,0006,499
Net charge-offs$06,628
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$10,001,00053
Net operating income$-268,0006,482

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.