Call reports 2009
REGAL FINANCIAL BANK — 2009
What REGAL FINANCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 180,589,000 | 166,027,000 | 155,444,000 | 149,605,000 |
| Total loans | 129,995,000 | 123,772,000 | 119,784,000 | 114,072,000 |
| Allowance for loan losses | 5,454,000 | 3,542,000 | 3,892,000 | 4,603,000 |
| Securities available for sale | 2,323,000 | 2,978,000 | 3,593,000 | 2,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,811,000 | 153,707,000 | 144,597,000 | 140,177,000 |
| Interest-bearing deposits | 158,564,000 | 144,227,000 | 135,108,000 | 131,623,000 |
| Noninterest-bearing deposits | 9,248,000 | 9,479,000 | 9,489,000 | 8,554,000 |
| Equity capital | 11,434,000 | 10,698,000 | 9,364,000 | 7,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,765,000 | 3,812,000 | 5,756,000 | 7,504,000 |
| Interest expense | 1,014,000 | 2,084,000 | 2,981,000 | 3,801,000 |
| Net interest income | 751,000 | 1,728,000 | 2,775,000 | 3,703,000 |
| Noninterest income | 81,000 | 176,000 | 251,000 | 320,000 |
| Noninterest expense | 1,488,000 | 3,185,000 | 4,313,000 | 5,615,000 |
| Provision for loan losses | 4,276,000 | 4,374,000 | 5,716,000 | 8,103,000 |
| Pretax income | -4,932,000 | -5,655,000 | -7,003,000 | -9,695,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -4,932,000 | -5,655,000 | -7,003,000 | -9,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,395,000 | 10,672,000 | 9,325,000 | 7,664,000 |
| Total capital | 13,248,000 | 12,397,000 | 10,947,000 | 9,217,000 |
| Risk-weighted assets | 144,612,000 | 136,314,000 | 127,461,000 | 121,239,000 |