Call reports 2010
REGAL BANK — 2010
What REGAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 121,015,000 | 146,521,000 | 160,480,000 | 167,247,000 |
| Total loans | 95,420,000 | 108,840,000 | 119,641,000 | 133,192,000 |
| Allowance for loan losses | 1,035,000 | 1,135,000 | 1,270,000 | 1,430,000 |
| Securities available for sale | 6,426,000 | 4,982,000 | 5,115,000 | 4,596,000 |
| Securities held to maturity | 1,111,000 | 996,000 | 886,000 | 741,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,563,000 | 133,187,000 | 147,253,000 | 152,243,000 |
| Interest-bearing deposits | 103,294,000 | 126,753,000 | 137,380,000 | 141,817,000 |
| Noninterest-bearing deposits | 6,270,000 | 6,434,000 | 9,873,000 | 10,426,000 |
| Equity capital | 11,155,000 | 12,589,000 | 12,758,000 | 14,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,466,000 | 3,072,000 | 4,924,000 | 6,945,000 |
| Interest expense | 524,000 | 1,098,000 | 1,725,000 | 2,248,000 |
| Net interest income | 942,000 | 1,974,000 | 3,199,000 | 4,697,000 |
| Noninterest income | 16,000 | 31,000 | 45,000 | 71,000 |
| Noninterest expense | 925,000 | 1,886,000 | 2,867,000 | 3,846,000 |
| Provision for loan losses | 105,000 | 205,000 | 340,000 | 500,000 |
| Pretax income | -72,000 | -86,000 | 37,000 | 422,000 |
| Income tax | 0 | 4,000 | 4,000 | -1,506,000 |
| Net income | -72,000 | -90,000 | 33,000 | 1,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,053,000 | 12,487,000 | 12,632,000 | 14,179,000 |
| Total capital | 12,088,000 | 13,622,000 | 13,902,000 | 15,609,000 |
| Risk-weighted assets | 101,544,000 | 117,607,000 | 126,138,000 | 140,284,000 |