Call reports 2010
REGAL FINANCIAL BANK — 2010
What REGAL FINANCIAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 143,235,000 | 131,931,000 | 123,687,000 | 119,244,000 |
| Total loans | 105,999,000 | 97,917,000 | 93,115,000 | 87,165,000 |
| Allowance for loan losses | 4,144,000 | 5,794,000 | 5,641,000 | 3,043,000 |
| Securities available for sale | 1,552,000 | 1,746,000 | 1,451,000 | 2,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,564,000 | 125,511,000 | 117,803,000 | 112,832,000 |
| Interest-bearing deposits | 125,418,000 | 114,675,000 | 109,104,000 | 105,491,000 |
| Noninterest-bearing deposits | 9,146,000 | 10,836,000 | 8,699,000 | 7,341,000 |
| Equity capital | 7,485,000 | 5,616,000 | 5,033,000 | 5,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,605,000 | 3,210,000 | 4,622,000 | 5,803,000 |
| Interest expense | 706,000 | 1,217,000 | 1,678,000 | 2,105,000 |
| Net interest income | 899,000 | 1,993,000 | 2,944,000 | 3,698,000 |
| Noninterest income | 58,000 | 115,000 | -1,660,000 | -1,086,000 |
| Noninterest expense | 1,267,000 | 4,050,000 | 4,018,000 | 6,573,000 |
| Provision for loan losses | 0 | 1,786,000 | 1,786,000 | 2,054,000 |
| Pretax income | -310,000 | -3,728,000 | -4,520,000 | -6,015,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -310,000 | -3,728,000 | -4,520,000 | -6,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,454,000 | 5,587,000 | 5,006,000 | 5,300,000 |
| Total capital | 8,913,000 | 6,889,000 | 6,261,000 | 6,438,000 |
| Risk-weighted assets | 114,067,000 | 99,686,000 | 95,979,000 | 89,157,000 |