Call reports 2009
REGAL BANK — 2009
What REGAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 83,536,000 | 94,064,000 | 106,416,000 | 121,093,000 |
| Total loans | 51,296,000 | 67,644,000 | 80,397,000 | 87,825,000 |
| Allowance for loan losses | 495,000 | 645,000 | 800,000 | 930,000 |
| Securities available for sale | 4,571,000 | 5,171,000 | 4,828,000 | 6,862,000 |
| Securities held to maturity | 2,736,000 | 1,505,000 | 1,360,000 | 1,248,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,262,000 | 82,061,000 | 94,623,000 | 109,564,000 |
| Interest-bearing deposits | 62,910,000 | 75,387,000 | 88,382,000 | 97,236,000 |
| Noninterest-bearing deposits | 8,352,000 | 6,674,000 | 6,241,000 | 12,328,000 |
| Equity capital | 12,095,000 | 11,720,000 | 11,484,000 | 11,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 744,000 | 1,807,000 | 3,014,000 | 4,392,000 |
| Interest expense | 492,000 | 1,024,000 | 1,599,000 | 2,193,000 |
| Net interest income | 252,000 | 783,000 | 1,415,000 | 2,199,000 |
| Noninterest income | 16,000 | 43,000 | 71,000 | 90,000 |
| Noninterest expense | 724,000 | 1,532,000 | 2,335,000 | 3,187,000 |
| Provision for loan losses | 85,000 | 235,000 | 390,000 | 520,000 |
| Pretax income | -541,000 | -941,000 | -1,239,000 | -1,418,000 |
| Income tax | 0 | 2,000 | 4,000 | 4,000 |
| Net income | -541,000 | -943,000 | -1,243,000 | -1,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,987,000 | 11,605,000 | 11,328,000 | 11,171,000 |
| Total capital | 12,482,000 | 12,250,000 | 12,128,000 | 12,101,000 |
| Risk-weighted assets | 58,263,000 | 73,550,000 | 86,181,000 | 95,386,000 |