Call reports 2002
REGAL FINANCIAL BANK — 2002
What REGAL FINANCIAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|
| Total assets | 15,955,000 | 29,276,000 | 45,029,000 |
| Total loans | 6,061,000 | 12,596,000 | 20,542,000 |
| Allowance for loan losses | 91,000 | 194,000 | 315,000 |
| Securities available for sale | 0 | 1,763,000 | 4,516,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 6,744,000 | 20,237,000 | 36,148,000 |
| Interest-bearing deposits | 6,410,000 | 11,103,000 | 29,401,000 |
| Noninterest-bearing deposits | 334,000 | 9,134,000 | 6,746,000 |
| Equity capital | 9,164,000 | 8,944,000 | 8,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|
| Interest income | 84,000 | 351,000 | 763,000 |
| Interest expense | 26,000 | 81,000 | 172,000 |
| Net interest income | 58,000 | 270,000 | 591,000 |
| Noninterest income | 31,000 | 75,000 | 139,000 |
| Noninterest expense | 855,000 | 1,271,000 | 1,747,000 |
| Provision for loan losses | 91,000 | 194,000 | 315,000 |
| Pretax income | -857,000 | -1,120,000 | -1,332,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -857,000 | -1,120,000 | -1,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|
| Tier 1 capital | 9,164,000 | 8,931,000 | 8,719,000 |
| Total capital | 9,243,000 | 9,125,000 | 9,034,000 |
| Risk-weighted assets | 6,273,000 | 16,027,000 | 25,491,000 |