Call reports 2012
REGAL FINANCIAL BANK — 2012
What REGAL FINANCIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 93,845,000 | 103,887,000 | 98,686,000 | 97,750,000 |
| Total loans | 74,811,000 | 72,339,000 | 72,141,000 | 73,678,000 |
| Allowance for loan losses | 2,746,000 | 2,486,000 | 2,100,000 | 1,942,000 |
| Securities available for sale | 4,053,000 | 3,786,000 | 3,633,000 | 6,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,281,000 | 95,801,000 | 85,914,000 | 83,687,000 |
| Interest-bearing deposits | 81,386,000 | 73,169,000 | 64,025,000 | 69,604,000 |
| Noninterest-bearing deposits | 5,895,000 | 22,633,000 | 21,889,000 | 14,083,000 |
| Equity capital | 6,074,000 | 7,669,000 | 12,186,000 | 13,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,037,000 | 2,087,000 | 3,057,000 | 4,026,000 |
| Interest expense | 188,000 | 343,000 | 480,000 | 599,000 |
| Net interest income | 849,000 | 1,744,000 | 2,577,000 | 3,427,000 |
| Noninterest income | 309,000 | 405,000 | 795,000 | 991,000 |
| Noninterest expense | 946,000 | 1,872,000 | 2,955,000 | 4,195,000 |
| Provision for loan losses | 0 | 0 | 0 | -160,000 |
| Pretax income | 212,000 | 277,000 | 417,000 | 541,000 |
| Income tax | 9,000 | 9,000 | 9,000 | 9,000 |
| Net income | 203,000 | 268,000 | 408,000 | 532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,876,000 | 7,492,000 | 11,979,000 | 13,628,000 |
| Total capital | 6,790,000 | 8,378,000 | 12,900,000 | 14,576,000 |
| Risk-weighted assets | 71,345,000 | 69,220,000 | 72,489,000 | 74,807,000 |