Call reports 2003
REGAL FINANCIAL BANK — 2003
What REGAL FINANCIAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 51,757,000 | 66,372,000 | 66,213,000 | 77,758,000 |
| Total loans | 24,116,000 | 27,406,000 | 35,487,000 | 43,135,000 |
| Allowance for loan losses | 405,000 | 415,000 | 534,000 | 650,000 |
| Securities available for sale | 2,509,000 | 4,723,000 | 5,276,000 | 6,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,998,000 | 57,563,000 | 54,512,000 | 63,797,000 |
| Interest-bearing deposits | 36,607,000 | 47,736,000 | 44,208,000 | 54,124,000 |
| Noninterest-bearing deposits | 6,391,000 | 9,827,000 | 10,304,000 | 9,673,000 |
| Equity capital | 8,599,000 | 8,631,000 | 11,542,000 | 13,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 534,000 | 1,221,000 | 2,065,000 | 3,033,000 |
| Interest expense | 109,000 | 260,000 | 414,000 | 619,000 |
| Net interest income | 425,000 | 961,000 | 1,651,000 | 2,414,000 |
| Noninterest income | 68,000 | 136,000 | 172,000 | 215,000 |
| Noninterest expense | 531,000 | 1,108,000 | 1,669,000 | 2,289,000 |
| Provision for loan losses | 90,000 | 100,000 | 219,000 | 335,000 |
| Pretax income | -128,000 | -111,000 | -65,000 | 5,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -128,000 | -111,000 | -65,000 | 5,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,590,000 | 8,608,000 | 11,561,000 | 13,815,000 |
| Total capital | 8,967,000 | 9,023,000 | 12,083,000 | 14,453,000 |
| Risk-weighted assets | 30,207,000 | 35,190,000 | 41,756,000 | 50,993,000 |