Call reports 2008
REGAL FINANCIAL BANK — 2008
What REGAL FINANCIAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 147,607,000 | 154,432,000 | 153,997,000 | 153,962,000 |
| Total loans | 136,205,000 | 140,518,000 | 138,566,000 | 134,843,000 |
| Allowance for loan losses | 1,713,000 | 1,788,000 | 1,953,000 | 2,018,000 |
| Securities available for sale | 3,561,000 | 2,700,000 | 2,391,000 | 1,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,060,000 | 126,699,000 | 128,082,000 | 133,715,000 |
| Interest-bearing deposits | 116,009,000 | 115,828,000 | 116,488,000 | 123,495,000 |
| Noninterest-bearing deposits | 12,051,000 | 10,871,000 | 11,593,000 | 10,220,000 |
| Equity capital | 12,636,000 | 14,127,000 | 16,403,000 | 16,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,550,000 | 5,149,000 | 7,676,000 | 9,940,000 |
| Interest expense | 1,246,000 | 2,352,000 | 3,380,000 | 4,351,000 |
| Net interest income | 1,304,000 | 2,797,000 | 4,296,000 | 5,589,000 |
| Noninterest income | 86,000 | 191,000 | 275,000 | 355,000 |
| Noninterest expense | 1,343,000 | 2,683,000 | 4,005,000 | 5,436,000 |
| Provision for loan losses | 218,000 | 293,000 | 458,000 | 322,000 |
| Pretax income | -171,000 | 12,000 | 108,000 | 186,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -171,000 | 12,000 | 108,000 | 186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,584,000 | 14,113,000 | 16,394,000 | 16,518,000 |
| Total capital | 14,355,000 | 15,939,000 | 18,201,000 | 18,298,000 |
| Risk-weighted assets | 141,677,000 | 146,046,000 | 144,356,000 | 142,112,000 |