Call reports 2014
REGAL BANK — 2014
What REGAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 336,039,000 | 336,685,000 | 344,906,000 | 347,495,000 |
| Total loans | 286,035,000 | 292,443,000 | 289,224,000 | 301,130,000 |
| Allowance for loan losses | 3,380,000 | 3,530,000 | 3,645,000 | 3,795,000 |
| Securities available for sale | 17,913,000 | 20,292,000 | 22,633,000 | 25,277,000 |
| Securities held to maturity | 317,000 | 307,000 | 300,000 | 2,521,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,427,000 | 305,558,000 | 313,075,000 | 315,448,000 |
| Interest-bearing deposits | 281,754,000 | 278,198,000 | 280,993,000 | 281,866,000 |
| Noninterest-bearing deposits | 23,672,000 | 27,361,000 | 32,082,000 | 33,583,000 |
| Equity capital | 30,007,000 | 30,491,000 | 30,932,000 | 31,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,421,000 | 7,041,000 | 10,785,000 | 14,443,000 |
| Interest expense | 584,000 | 1,188,000 | 1,821,000 | 2,470,000 |
| Net interest income | 2,837,000 | 5,853,000 | 8,964,000 | 11,973,000 |
| Noninterest income | 31,000 | 68,000 | 143,000 | 176,000 |
| Noninterest expense | 2,191,000 | 4,360,000 | 6,678,000 | 9,026,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 527,000 | 1,262,000 | 1,971,000 | 2,515,000 |
| Income tax | 211,000 | 505,000 | 771,000 | 989,000 |
| Net income | 316,000 | 757,000 | 1,200,000 | 1,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,085,000 | 30,508,000 | 30,946,000 | 31,255,000 |
| Total capital | 33,465,000 | 34,038,000 | 34,591,000 | 35,050,000 |
| Risk-weighted assets | 299,537,000 | 305,763,000 | 304,943,000 | 320,091,000 |
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