Call reports 2013
REGAL FINANCIAL BANK — 2013
What REGAL FINANCIAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 96,491,000 | 100,513,000 | 102,372,000 | 102,999,000 |
| Total loans | 78,697,000 | 83,048,000 | 81,272,000 | 76,963,000 |
| Allowance for loan losses | 2,313,000 | 1,941,000 | 2,045,000 | 1,752,000 |
| Securities available for sale | 6,585,000 | 6,403,000 | 6,410,000 | 6,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,408,000 | 87,349,000 | 90,422,000 | 91,609,000 |
| Interest-bearing deposits | 69,131,000 | 72,842,000 | 78,066,000 | 78,696,000 |
| Noninterest-bearing deposits | 13,277,000 | 14,507,000 | 12,357,000 | 12,913,000 |
| Equity capital | 13,640,000 | 12,747,000 | 11,461,000 | 10,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 884,000 | 1,998,000 | 3,024,000 | 3,890,000 |
| Interest expense | 116,000 | 226,000 | 342,000 | 467,000 |
| Net interest income | 768,000 | 1,772,000 | 2,682,000 | 3,423,000 |
| Noninterest income | 123,000 | 166,000 | 254,000 | 380,000 |
| Noninterest expense | 1,067,000 | 2,059,000 | 3,397,000 | 4,686,000 |
| Provision for loan losses | -158,000 | 627,000 | 1,595,000 | 1,879,000 |
| Pretax income | -18,000 | -748,000 | -2,056,000 | -2,762,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -18,000 | -748,000 | -2,056,000 | -2,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,650,000 | 12,921,000 | 11,612,000 | 11,091,000 |
| Total capital | 14,633,000 | 13,949,000 | 12,611,000 | 12,050,000 |
| Risk-weighted assets | 77,186,000 | 81,362,000 | 78,858,000 | 75,900,000 |