Call reports 2016
REGAL BANK — 2016
What REGAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 396,452,000 | 476,501,000 | 474,547,000 | 469,809,000 |
| Total loans | 332,735,000 | 396,127,000 | 391,105,000 | 382,897,000 |
| Allowance for loan losses | 4,365,000 | 4,457,000 | 4,555,000 | 4,661,000 |
| Securities available for sale | 34,426,000 | 38,419,000 | 39,333,000 | 41,383,000 |
| Securities held to maturity | 2,536,000 | 2,543,000 | 2,551,000 | 2,541,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,922,000 | 414,168,000 | 412,580,000 | 409,377,000 |
| Interest-bearing deposits | 294,731,000 | 350,862,000 | 351,618,000 | 355,535,000 |
| Noninterest-bearing deposits | 46,191,000 | 63,307,000 | 60,962,000 | 53,843,000 |
| Equity capital | 38,056,000 | 46,183,000 | 46,743,000 | 46,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,777,000 | 8,982,000 | 13,783,000 | 19,213,000 |
| Interest expense | 701,000 | 1,507,000 | 2,297,000 | 3,077,000 |
| Net interest income | 3,076,000 | 7,475,000 | 11,486,000 | 16,136,000 |
| Noninterest income | 118,000 | 288,000 | 604,000 | 784,000 |
| Noninterest expense | 2,671,000 | 6,406,000 | 9,916,000 | 14,785,000 |
| Provision for loan losses | 90,000 | 185,000 | 290,000 | 395,000 |
| Pretax income | 433,000 | 1,178,000 | 1,895,000 | 1,746,000 |
| Income tax | 154,000 | 435,000 | 688,000 | 730,000 |
| Net income | 279,000 | 743,000 | 1,207,000 | 1,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,008,000 | 44,390,000 | 44,917,000 | 45,277,000 |
| Total capital | 41,296,000 | 48,465,000 | 48,920,000 | 49,279,000 |
| Risk-weighted assets | 261,981,000 | 325,407,000 | 319,560,000 | 319,313,000 |