Call reports 2005
REGAL FINANCIAL BANK — 2005
What REGAL FINANCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 118,833,000 | 115,145,000 | 116,127,000 | 113,243,000 |
| Total loans | 70,806,000 | 68,915,000 | 74,330,000 | 90,088,000 |
| Allowance for loan losses | 987,000 | 926,000 | 926,000 | 1,310,000 |
| Securities available for sale | 9,842,000 | 10,684,000 | 11,318,000 | 11,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,274,000 | 95,048,000 | 101,011,000 | 92,368,000 |
| Interest-bearing deposits | 93,161,000 | 85,655,000 | 93,681,000 | 84,356,000 |
| Noninterest-bearing deposits | 11,113,000 | 9,394,000 | 7,330,000 | 8,012,000 |
| Equity capital | 14,082,000 | 14,406,000 | 14,502,000 | 13,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,435,000 | 3,091,000 | 4,773,000 | 6,511,000 |
| Interest expense | 477,000 | 1,054,000 | 1,802,000 | 2,543,000 |
| Net interest income | 958,000 | 2,037,000 | 2,971,000 | 3,968,000 |
| Noninterest income | 55,000 | 146,000 | 203,000 | 319,000 |
| Noninterest expense | 807,000 | 1,709,000 | 2,570,000 | 3,590,000 |
| Provision for loan losses | 25,000 | 38,000 | 38,000 | 792,000 |
| Pretax income | 181,000 | 436,000 | 566,000 | -95,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 181,000 | 436,000 | 566,000 | -95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,267,000 | 14,522,000 | 14,652,000 | 13,991,000 |
| Total capital | 15,254,000 | 15,448,000 | 15,578,000 | 15,206,000 |
| Risk-weighted assets | 81,791,000 | 76,967,000 | 83,716,000 | 97,099,000 |