Call reports 2022
REGAL BANK — 2022
What REGAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 544,087,000 | 537,235,000 | 498,516,000 | 491,935,000 |
| Total loans | 351,321,000 | 344,319,000 | 341,557,000 | 344,871,000 |
| Allowance for loan losses | 5,611,000 | 5,611,000 | 5,611,000 | 5,611,000 |
| Securities available for sale | 15,392,000 | 15,591,000 | 13,934,000 | 15,477,000 |
| Securities held to maturity | 2,575,000 | 2,581,000 | 0 | 2,592,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 480,704,000 | 473,879,000 | 434,156,000 | 426,179,000 |
| Interest-bearing deposits | 370,820,000 | 355,823,000 | 325,386,000 | 320,356,000 |
| Noninterest-bearing deposits | 109,883,000 | 118,057,000 | 108,770,000 | 105,823,000 |
| Equity capital | 56,600,000 | 57,033,000 | 57,806,000 | 58,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,340,000 | 8,404,000 | 12,957,000 | 17,907,000 |
| Interest expense | 331,000 | 586,000 | 879,000 | 1,456,000 |
| Net interest income | 4,009,000 | 7,818,000 | 12,078,000 | 16,451,000 |
| Noninterest income | 264,000 | 459,000 | 420,000 | 756,000 |
| Noninterest expense | 3,069,000 | 5,802,000 | 8,489,000 | 11,913,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,204,000 | 2,475,000 | 4,009,000 | 5,294,000 |
| Income tax | 346,000 | 733,000 | 1,171,000 | 1,657,000 |
| Net income | 858,000 | 1,742,000 | 2,838,000 | 3,637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,788,000 | 56,404,000 | 57,392,000 | 57,837,000 |