Call reports 2023
REGAL BANK — 2023
What REGAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 |
|---|---|---|
| Total assets | 473,587,000 | 461,071,000 |
| Total loans | 347,325,000 | 340,712,000 |
| Allowance for loan losses | 4,076,000 | 4,076,000 |
| Securities available for sale | 16,594,000 | 13,937,000 |
| Securities held to maturity | 2,574,000 | 2,580,000 |
| Trading assets | 0 | 0 |
| Total deposits | 401,995,000 | 389,155,000 |
| Interest-bearing deposits | 299,638,000 | 294,191,000 |
| Noninterest-bearing deposits | 102,358,000 | 94,965,000 |
| Equity capital | 60,187,000 | 60,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 |
|---|---|---|
| Interest income | 4,824,000 | 9,763,000 |
| Interest expense | 863,000 | 1,854,000 |
| Net interest income | 3,961,000 | 7,909,000 |
| Noninterest income | 121,000 | 262,000 |
| Noninterest expense | 1,960,000 | 5,338,000 |
| Provision for loan losses | -1,535,000 | -1,535,000 |
| Pretax income | 3,657,000 | 4,368,000 |
| Income tax | 318,000 | 606,000 |
| Net income | 3,339,000 | 3,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 |
|---|---|---|
| Tier 1 capital | 59,646,000 | 59,899,000 |