Call reports 2011
REGAL BANK — 2011
What REGAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 174,896,000 | 189,485,000 | 211,688,000 | 216,466,000 |
| Total loans | 144,331,000 | 152,248,000 | 162,907,000 | 169,566,000 |
| Allowance for loan losses | 1,580,000 | 1,730,000 | 1,880,000 | 2,030,000 |
| Securities available for sale | 4,173,000 | 4,878,000 | 4,604,000 | 4,636,000 |
| Securities held to maturity | 611,000 | 719,000 | 633,000 | 541,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,420,000 | 173,512,000 | 187,043,000 | 190,741,000 |
| Interest-bearing deposits | 148,707,000 | 163,871,000 | 173,765,000 | 180,600,000 |
| Noninterest-bearing deposits | 10,712,000 | 9,641,000 | 13,278,000 | 10,141,000 |
| Equity capital | 14,974,000 | 15,265,000 | 23,760,000 | 24,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,183,000 | 4,529,000 | 7,024,000 | 9,698,000 |
| Interest expense | 523,000 | 1,091,000 | 1,648,000 | 2,197,000 |
| Net interest income | 1,660,000 | 3,438,000 | 5,376,000 | 7,501,000 |
| Noninterest income | 21,000 | 45,000 | 67,000 | 86,000 |
| Noninterest expense | 1,070,000 | 2,303,000 | 3,548,000 | 4,985,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 461,000 | 880,000 | 1,445,000 | 2,002,000 |
| Income tax | 194,000 | 365,000 | 589,000 | 807,000 |
| Net income | 267,000 | 515,000 | 856,000 | 1,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,469,000 | 14,735,000 | 23,211,000 | 23,566,000 |
| Total capital | 16,049,000 | 16,465,000 | 25,091,000 | 25,596,000 |
| Risk-weighted assets | 151,154,000 | 159,140,000 | 169,756,000 | 175,455,000 |