Call reports 2008
REGAL BANK — 2008
What REGAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 40,300,000 | 48,996,000 | 55,395,000 | 72,411,000 |
| Total loans | 7,281,000 | 18,401,000 | 31,876,000 | 40,477,000 |
| Allowance for loan losses | 60,000 | 150,000 | 265,000 | 410,000 |
| Securities available for sale | 0 | 0 | 4,024,000 | 3,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,289,000 | 35,444,000 | 42,207,000 | 59,700,000 |
| Interest-bearing deposits | 23,130,000 | 28,803,000 | 34,010,000 | 53,090,000 |
| Noninterest-bearing deposits | 3,159,000 | 6,641,000 | 8,197,000 | 6,610,000 |
| Equity capital | 13,995,000 | 13,497,000 | 13,105,000 | 12,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 206,000 | 534,000 | 1,044,000 | 1,692,000 |
| Interest expense | 98,000 | 287,000 | 512,000 | 867,000 |
| Net interest income | 108,000 | 247,000 | 532,000 | 825,000 |
| Noninterest income | 1,000 | 8,000 | 25,000 | 36,000 |
| Noninterest expense | 578,000 | 1,156,000 | 1,773,000 | 2,500,000 |
| Provision for loan losses | 60,000 | 150,000 | 265,000 | 410,000 |
| Pretax income | -529,000 | -1,051,000 | -1,481,000 | -2,049,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -529,000 | -1,051,000 | -1,481,000 | -2,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,995,000 | 13,497,000 | 13,066,000 | 12,507,000 |
| Total capital | 14,055,000 | 13,647,000 | 13,331,000 | 12,917,000 |
| Risk-weighted assets | 14,960,000 | 25,399,000 | 37,493,000 | 47,818,000 |