Call reports 2015
REGAL BANK — 2015
What REGAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 361,350,000 | 373,147,000 | 384,455,000 | 389,000,000 |
| Total loans | 298,261,000 | 313,546,000 | 324,642,000 | 328,235,000 |
| Allowance for loan losses | 3,915,000 | 4,035,000 | 4,156,000 | 4,275,000 |
| Securities available for sale | 27,274,000 | 29,184,000 | 30,113,000 | 32,738,000 |
| Securities held to maturity | 2,517,000 | 2,531,000 | 2,537,000 | 2,530,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,348,000 | 324,020,000 | 333,740,000 | 336,401,000 |
| Interest-bearing deposits | 286,157,000 | 286,580,000 | 290,792,000 | 292,845,000 |
| Noninterest-bearing deposits | 32,192,000 | 37,440,000 | 42,948,000 | 43,557,000 |
| Equity capital | 36,609,000 | 36,801,000 | 37,388,000 | 37,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,638,000 | 7,400,000 | 11,264,000 | 15,027,000 |
| Interest expense | 650,000 | 1,320,000 | 2,008,000 | 2,708,000 |
| Net interest income | 2,988,000 | 6,080,000 | 9,256,000 | 12,319,000 |
| Noninterest income | 65,000 | 218,000 | 329,000 | 436,000 |
| Noninterest expense | 2,385,000 | 4,838,000 | 7,332,000 | 9,767,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 566,000 | 1,239,000 | 1,912,000 | 2,533,000 |
| Income tax | 218,000 | 462,000 | 702,000 | 930,000 |
| Net income | 348,000 | 777,000 | 1,210,000 | 1,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,496,000 | 36,909,000 | 37,371,000 | 37,746,000 |
| Total capital | 40,002,000 | 40,026,000 | 40,750,000 | 41,000,000 |
| Risk-weighted assets | 280,130,000 | 248,430,000 | 269,539,000 | 259,297,000 |