Call reports 2004
REGAL FINANCIAL BANK — 2004
What REGAL FINANCIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 97,369,000 | 94,588,000 | 89,360,000 | 105,719,000 |
| Total loans | 48,473,000 | 53,156,000 | 58,893,000 | 67,958,000 |
| Allowance for loan losses | 719,000 | 787,000 | 797,000 | 912,000 |
| Securities available for sale | 6,224,000 | 8,433,000 | 9,209,000 | 9,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,325,000 | 80,647,000 | 75,140,000 | 91,284,000 |
| Interest-bearing deposits | 59,818,000 | 61,188,000 | 61,371,000 | 81,834,000 |
| Noninterest-bearing deposits | 23,507,000 | 19,459,000 | 13,769,000 | 9,450,000 |
| Equity capital | 13,887,000 | 13,772,000 | 13,973,000 | 14,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 926,000 | 1,920,000 | 3,035,000 | 4,277,000 |
| Interest expense | 245,000 | 485,000 | 794,000 | 1,142,000 |
| Net interest income | 681,000 | 1,435,000 | 2,241,000 | 3,135,000 |
| Noninterest income | 75,000 | 120,000 | 181,000 | 253,000 |
| Noninterest expense | 647,000 | 1,310,000 | 2,032,000 | 2,786,000 |
| Provision for loan losses | 69,000 | 137,000 | 197,000 | 312,000 |
| Pretax income | 40,000 | 108,000 | 193,000 | 290,000 |
| Income tax | 0 | 0 | 0 | -11,000 |
| Net income | 40,000 | 108,000 | 193,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,855,000 | 13,923,000 | 13,978,000 | 14,086,000 |
| Total capital | 14,574,000 | 14,710,000 | 14,775,000 | 14,998,000 |
| Risk-weighted assets | 61,431,000 | 64,186,000 | 67,493,000 | 76,176,000 |