Call reports 2018
REGAL BANK — 2018
What REGAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 521,563,000 | 515,405,000 | 513,259,000 | 520,319,000 |
| Total loans | 411,500,000 | 414,726,000 | 416,632,000 | 418,450,000 |
| Allowance for loan losses | 5,062,000 | 5,167,000 | 5,273,000 | 5,309,000 |
| Securities available for sale | 57,601,000 | 56,628,000 | 54,670,000 | 53,425,000 |
| Securities held to maturity | 2,557,000 | 2,564,000 | 2,571,000 | 2,559,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 458,919,000 | 452,596,000 | 442,643,000 | 436,787,000 |
| Interest-bearing deposits | 390,703,000 | 381,557,000 | 375,226,000 | 375,025,000 |
| Noninterest-bearing deposits | 68,217,000 | 71,039,000 | 67,418,000 | 61,762,000 |
| Equity capital | 48,908,000 | 49,231,000 | 49,550,000 | 49,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,880,000 | 9,983,000 | 15,051,000 | 20,206,000 |
| Interest expense | 1,012,000 | 2,104,000 | 3,356,000 | 4,731,000 |
| Net interest income | 3,868,000 | 7,879,000 | 11,695,000 | 15,475,000 |
| Noninterest income | 330,000 | 524,000 | 718,000 | 943,000 |
| Noninterest expense | 3,543,000 | 6,970,000 | 10,365,000 | 13,690,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 350,000 |
| Pretax income | 549,000 | 1,221,000 | 1,731,000 | 2,376,000 |
| Income tax | 127,000 | 140,000 | 292,000 | 494,000 |
| Net income | 422,000 | 1,081,000 | 1,439,000 | 1,882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,254,000 | 48,901,000 | 49,268,000 | 49,349,000 |
| Total capital | 52,501,000 | 53,262,000 | 53,694,000 | 53,743,000 |
| Risk-weighted assets | 338,716,000 | 348,085,000 | 353,197,000 | 350,593,000 |