Call reports 2006
REGAL FINANCIAL BANK — 2006
What REGAL FINANCIAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 112,943,000 | 124,287,000 | 121,562,000 | 116,524,000 |
| Total loans | 94,019,000 | 103,778,000 | 101,234,000 | 95,004,000 |
| Allowance for loan losses | 1,400,000 | 1,458,000 | 1,108,000 | 1,215,000 |
| Securities available for sale | 11,244,000 | 10,911,000 | 10,967,000 | 10,682,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,595,000 | 105,898,000 | 101,318,000 | 102,806,000 |
| Interest-bearing deposits | 92,143,000 | 97,843,000 | 94,043,000 | 93,608,000 |
| Noninterest-bearing deposits | 6,452,000 | 8,055,000 | 7,275,000 | 9,198,000 |
| Equity capital | 13,802,000 | 13,771,000 | 13,936,000 | 12,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,919,000 | 4,026,000 | 6,340,000 | 8,588,000 |
| Interest expense | 872,000 | 1,880,000 | 3,018,000 | 4,150,000 |
| Net interest income | 1,047,000 | 2,146,000 | 3,322,000 | 4,438,000 |
| Noninterest income | 53,000 | 108,000 | 236,000 | 313,000 |
| Noninterest expense | 955,000 | 2,057,000 | 3,159,000 | 4,387,000 |
| Provision for loan losses | 90,000 | 148,000 | 298,000 | 1,405,000 |
| Pretax income | 55,000 | 49,000 | 101,000 | -1,041,000 |
| Income tax | 0 | 0 | 0 | 11,000 |
| Net income | 55,000 | 49,000 | 101,000 | -1,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,047,000 | 14,041,000 | 14,092,000 | 12,775,000 |
| Total capital | 15,299,000 | 15,398,000 | 15,200,000 | 13,990,000 |
| Risk-weighted assets | 100,009,000 | 108,425,000 | 107,781,000 | 102,924,000 |
Machine access — free, no API key
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