Call reports 2020
REGAL BANK — 2020
What REGAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 529,441,000 | 545,564,000 | 550,006,000 | 561,726,000 |
| Total loans | 412,744,000 | 426,108,000 | 418,759,000 | 393,270,000 |
| Allowance for loan losses | 5,511,000 | 5,534,000 | 5,557,000 | 5,579,000 |
| Securities available for sale | 29,271,000 | 24,463,000 | 21,903,000 | 19,615,000 |
| Securities held to maturity | 2,569,000 | 2,576,000 | 2,583,000 | 2,567,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 438,393,000 | 462,792,000 | 471,587,000 | 496,496,000 |
| Interest-bearing deposits | 363,780,000 | 369,827,000 | 376,218,000 | 394,686,000 |
| Noninterest-bearing deposits | 74,613,000 | 92,965,000 | 95,368,000 | 101,811,000 |
| Equity capital | 51,939,000 | 52,761,000 | 53,284,000 | 53,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,962,000 | 9,931,000 | 14,810,000 | 19,997,000 |
| Interest expense | 1,493,000 | 2,769,000 | 3,933,000 | 5,189,000 |
| Net interest income | 3,469,000 | 7,162,000 | 10,877,000 | 14,808,000 |
| Noninterest income | 260,000 | 393,000 | 546,000 | 679,000 |
| Noninterest expense | 3,249,000 | 6,335,000 | 9,475,000 | 12,580,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 457,000 | 1,175,000 | 1,880,000 | 2,817,000 |
| Income tax | 119,000 | 312,000 | 471,000 | 728,000 |
| Net income | 338,000 | 863,000 | 1,409,000 | 2,089,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,921,000 | 51,092,000 | 51,643,000 | 52,194,000 |
| Total capital | 55,114,000 | — | — | — |
| Risk-weighted assets | 334,132,000 | — | — | — |