Call reports 2011
REGAL FINANCIAL BANK — 2011
What REGAL FINANCIAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 105,909,000 | 101,337,000 | 107,014,000 | 102,196,000 |
| Total loans | 84,112,000 | 83,017,000 | 73,868,000 | 69,795,000 |
| Allowance for loan losses | 3,043,000 | 4,154,000 | 2,344,000 | 2,896,000 |
| Securities available for sale | 4,400,000 | 4,395,000 | 4,353,000 | 4,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,884,000 | 97,044,000 | 101,071,000 | 95,957,000 |
| Interest-bearing deposits | 92,968,000 | 89,495,000 | 94,080,000 | 88,013,000 |
| Noninterest-bearing deposits | 6,916,000 | 7,549,000 | 6,991,000 | 7,943,000 |
| Equity capital | 5,093,000 | 3,441,000 | 5,289,000 | 5,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,179,000 | 2,345,000 | 3,508,000 | 4,661,000 |
| Interest expense | 378,000 | 710,000 | 991,000 | 1,236,000 |
| Net interest income | 801,000 | 1,635,000 | 2,517,000 | 3,425,000 |
| Noninterest income | 28,000 | 56,000 | -100,000 | -529,000 |
| Noninterest expense | 1,070,000 | 2,614,000 | 3,354,000 | 5,463,000 |
| Provision for loan losses | 195,000 | 1,261,000 | 1,261,000 | 2,294,000 |
| Pretax income | -436,000 | -2,184,000 | -2,198,000 | -4,861,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -436,000 | -2,184,000 | -2,198,000 | -4,861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,091,000 | 3,343,000 | 5,116,000 | 5,392,000 |
| Total capital | 6,143,000 | 4,377,000 | 6,057,000 | 6,281,000 |
| Risk-weighted assets | 82,175,000 | 79,594,000 | 73,844,000 | 69,132,000 |