Call reports 2007
REGAL FINANCIAL BANK — 2007
What REGAL FINANCIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 120,280,000 | 125,158,000 | 139,601,000 | 137,717,000 |
| Total loans | 93,753,000 | 107,597,000 | 122,825,000 | 122,227,000 |
| Allowance for loan losses | 1,215,000 | 1,300,000 | 1,467,000 | 1,495,000 |
| Securities available for sale | 10,273,000 | 9,766,000 | 9,297,000 | 5,535,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,316,000 | 111,165,000 | 119,668,000 | 114,842,000 |
| Interest-bearing deposits | 97,855,000 | 102,025,000 | 109,332,000 | 103,259,000 |
| Noninterest-bearing deposits | 8,461,000 | 9,140,000 | 10,336,000 | 11,583,000 |
| Equity capital | 12,844,000 | 12,774,000 | 12,945,000 | 12,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,264,000 | 4,637,000 | 7,327,000 | 10,140,000 |
| Interest expense | 1,094,000 | 2,242,000 | 3,591,000 | 5,023,000 |
| Net interest income | 1,170,000 | 2,395,000 | 3,736,000 | 5,117,000 |
| Noninterest income | 71,000 | 176,000 | 271,000 | 340,000 |
| Noninterest expense | 1,080,000 | 2,239,000 | 3,440,000 | 4,954,000 |
| Provision for loan losses | 0 | 85,000 | 178,000 | 206,000 |
| Pretax income | 161,000 | 247,000 | 389,000 | 297,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 161,000 | 247,000 | 389,000 | 297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,936,000 | 12,897,000 | 12,977,000 | 12,878,000 |
| Total capital | 14,151,000 | 14,197,000 | 14,501,000 | 14,427,000 |
| Risk-weighted assets | 101,779,000 | 114,485,000 | 128,639,000 | 128,140,000 |