Call reports 2012
REGAL BANK — 2012
What REGAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 234,626,000 | 246,614,000 | 253,548,000 | 261,378,000 |
| Total loans | 185,780,000 | 199,125,000 | 206,874,000 | 227,799,000 |
| Allowance for loan losses | 2,180,000 | 2,330,000 | 2,480,000 | 2,630,000 |
| Securities available for sale | 5,863,000 | 4,614,000 | 4,384,000 | 4,132,000 |
| Securities held to maturity | 454,000 | 373,000 | 323,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,748,000 | 220,529,000 | 227,411,000 | 234,738,000 |
| Interest-bearing deposits | 195,201,000 | 201,720,000 | 207,602,000 | 215,111,000 |
| Noninterest-bearing deposits | 13,548,000 | 18,808,000 | 19,809,000 | 19,626,000 |
| Equity capital | 24,376,000 | 25,333,000 | 25,738,000 | 26,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,638,000 | 5,422,000 | 8,285,000 | 11,421,000 |
| Interest expense | 553,000 | 1,115,000 | 1,576,000 | 2,047,000 |
| Net interest income | 2,085,000 | 4,307,000 | 6,709,000 | 9,374,000 |
| Noninterest income | 22,000 | 47,000 | 66,000 | 89,000 |
| Noninterest expense | 1,505,000 | 3,003,000 | 4,517,000 | 6,218,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 452,000 | 1,051,000 | 1,808,000 | 2,645,000 |
| Income tax | 174,000 | 409,000 | 708,000 | 1,037,000 |
| Net income | 278,000 | 642,000 | 1,100,000 | 1,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,218,000 | 25,164,000 | 25,626,000 | 26,138,000 |
| Total capital | 26,398,000 | 27,494,000 | 28,106,000 | 28,768,000 |
| Risk-weighted assets | 192,501,000 | 206,838,000 | 211,789,000 | 233,261,000 |