Call reports 2021
REGAL BANK — 2021
What REGAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 570,538,000 | 574,782,000 | 585,114,000 | 572,672,000 |
| Total loans | 395,526,000 | 376,583,000 | 365,341,000 | 361,621,000 |
| Allowance for loan losses | 5,601,000 | 5,624,000 | 5,624,000 | 5,612,000 |
| Securities available for sale | 15,527,000 | 13,723,000 | 12,787,000 | 15,463,000 |
| Securities held to maturity | 2,573,000 | 2,579,000 | 2,586,000 | 2,591,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 504,776,000 | 509,221,000 | 521,844,000 | 509,778,000 |
| Interest-bearing deposits | 400,218,000 | 397,002,000 | 399,622,000 | 385,085,000 |
| Noninterest-bearing deposits | 104,559,000 | 112,219,000 | 122,223,000 | 124,693,000 |
| Equity capital | 54,264,000 | 54,759,000 | 55,600,000 | 56,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,646,000 | 9,340,000 | 13,618,000 | 17,980,000 |
| Interest expense | 860,000 | 1,552,000 | 2,120,000 | 2,590,000 |
| Net interest income | 3,786,000 | 7,788,000 | 11,498,000 | 15,390,000 |
| Noninterest income | 137,000 | 277,000 | 609,000 | 970,000 |
| Noninterest expense | 2,890,000 | 6,110,000 | 8,547,000 | 11,527,000 |
| Provision for loan losses | 22,000 | 45,000 | 45,000 | 45,000 |
| Pretax income | 1,011,000 | 1,910,000 | 3,515,000 | 4,788,000 |
| Income tax | 257,000 | 619,000 | 978,000 | 1,343,000 |
| Net income | 754,000 | 1,291,000 | 2,537,000 | 3,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,954,000 | 53,497,000 | 54,387,000 | 54,924,000 |