Call reports 2017
REGAL BANK — 2017
What REGAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 483,621,000 | 509,932,000 | 510,931,000 | 518,644,000 |
| Total loans | 384,475,000 | 384,522,000 | 387,853,000 | 398,496,000 |
| Allowance for loan losses | 4,736,000 | 4,807,000 | 4,845,000 | 4,957,000 |
| Securities available for sale | 46,468,000 | 51,437,000 | 55,447,000 | 57,873,000 |
| Securities held to maturity | 2,547,000 | 2,554,000 | 2,562,000 | 2,562,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 422,773,000 | 450,845,000 | 447,010,000 | 456,128,000 |
| Interest-bearing deposits | 366,149,000 | 388,241,000 | 377,053,000 | 388,511,000 |
| Noninterest-bearing deposits | 56,625,000 | 62,604,000 | 69,957,000 | 67,617,000 |
| Equity capital | 46,690,000 | 49,763,000 | 50,258,000 | 48,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,830,000 | 9,354,000 | 14,405,000 | 19,302,000 |
| Interest expense | 778,000 | 1,584,000 | 2,422,000 | 3,385,000 |
| Net interest income | 4,052,000 | 7,770,000 | 11,983,000 | 15,917,000 |
| Noninterest income | 252,000 | 652,000 | 951,000 | 1,209,000 |
| Noninterest expense | 3,497,000 | 7,098,000 | 10,664,000 | 14,218,000 |
| Provision for loan losses | 75,000 | 180,000 | 285,000 | 390,000 |
| Pretax income | 732,000 | 1,145,000 | 1,988,000 | 2,521,000 |
| Income tax | 269,000 | 417,000 | 718,000 | 1,946,000 |
| Net income | 463,000 | 728,000 | 1,270,000 | 575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,502,000 | 48,216,000 | 48,766,000 | 47,898,000 |
| Total capital | 49,564,000 | 52,291,000 | 52,835,000 | 52,065,000 |
| Risk-weighted assets | 324,112,000 | 325,158,000 | 324,629,000 | 332,515,000 |