Call reports 2019
REGAL BANK — 2019
What REGAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 524,651,000 | 522,208,000 | 523,664,000 | 511,479,000 |
| Total loans | 421,704,000 | 422,108,000 | 413,850,000 | 410,288,000 |
| Allowance for loan losses | 5,354,000 | 5,399,000 | 5,444,000 | 5,489,000 |
| Securities available for sale | 52,438,000 | 50,984,000 | 47,736,000 | 40,088,000 |
| Securities held to maturity | 2,564,000 | 2,571,000 | 2,578,000 | 2,564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,319,000 | 437,222,000 | 432,557,000 | 420,503,000 |
| Interest-bearing deposits | 363,921,000 | 369,360,000 | 360,945,000 | 357,836,000 |
| Noninterest-bearing deposits | 73,399,000 | 67,863,000 | 71,613,000 | 62,668,000 |
| Equity capital | 50,682,000 | 51,103,000 | 51,660,000 | 52,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,062,000 | 10,147,000 | 15,464,000 | 20,673,000 |
| Interest expense | 1,490,000 | 3,063,000 | 4,668,000 | 6,234,000 |
| Net interest income | 3,572,000 | 7,084,000 | 10,796,000 | 14,439,000 |
| Noninterest income | 167,000 | 345,000 | 551,000 | 731,000 |
| Noninterest expense | 3,224,000 | 6,506,000 | 9,774,000 | 12,940,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 470,000 | 833,000 | 1,436,000 | 2,053,000 |
| Income tax | 129,000 | 224,000 | 369,000 | 511,000 |
| Net income | 341,000 | 609,000 | 1,067,000 | 1,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,698,000 | 49,759,000 | 50,221,000 | 50,532,000 |
| Total capital | 54,090,000 | 54,033,000 | 54,424,000 | 55,037,000 |
| Risk-weighted assets | 350,398,000 | 340,807,000 | 334,991,000 | 359,407,000 |