Call reports 2013
REGAL BANK — 2013
What REGAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 275,125,000 | 295,825,000 | 312,828,000 | 320,943,000 |
| Total loans | 236,522,000 | 258,632,000 | 267,273,000 | 282,520,000 |
| Allowance for loan losses | 2,780,000 | 2,930,000 | 3,080,000 | 3,230,000 |
| Securities available for sale | 3,920,000 | 6,854,000 | 11,535,000 | 14,969,000 |
| Securities held to maturity | 380,000 | 357,000 | 340,000 | 328,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,904,000 | 268,362,000 | 284,800,000 | 292,785,000 |
| Interest-bearing deposits | 226,714,000 | 242,882,000 | 259,656,000 | 265,697,000 |
| Noninterest-bearing deposits | 21,190,000 | 25,480,000 | 25,144,000 | 27,089,000 |
| Equity capital | 26,626,000 | 26,880,000 | 27,306,000 | 27,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,095,000 | 6,352,000 | 9,857,000 | 13,316,000 |
| Interest expense | 485,000 | 990,000 | 1,512,000 | 2,065,000 |
| Net interest income | 2,610,000 | 5,362,000 | 8,345,000 | 11,251,000 |
| Noninterest income | 21,000 | 45,000 | 75,000 | 122,000 |
| Noninterest expense | 1,749,000 | 3,697,000 | 5,727,000 | 7,808,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 732,000 | 1,410,000 | 2,243,000 | 2,965,000 |
| Income tax | 309,000 | 599,000 | 947,000 | 1,248,000 |
| Net income | 423,000 | 811,000 | 1,296,000 | 1,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,544,000 | 26,914,000 | 27,381,000 | 27,785,000 |
| Total capital | 29,324,000 | 29,844,000 | 30,461,000 | 31,015,000 |
| Risk-weighted assets | 243,971,000 | 265,615,000 | 275,787,000 | 292,705,000 |