Call reports 2014
REGAL FINANCIAL BANK — 2014
What REGAL FINANCIAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 |
|---|---|---|---|
| Total assets | 98,637,000 | 98,136,000 | 95,266,000 |
| Total loans | 75,087,000 | 78,443,000 | 78,942,000 |
| Allowance for loan losses | 1,791,000 | 1,808,000 | 1,803,000 |
| Securities available for sale | 6,401,000 | 6,429,000 | 6,423,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 87,316,000 | 86,437,000 | 83,666,000 |
| Interest-bearing deposits | 75,401,000 | 76,416,000 | 71,712,000 |
| Noninterest-bearing deposits | 11,915,000 | 10,021,000 | 11,953,000 |
| Equity capital | 10,958,000 | 11,321,000 | 11,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 |
|---|---|---|---|
| Interest income | 993,000 | 1,990,000 | 2,986,000 |
| Interest expense | 120,000 | 240,000 | 355,000 |
| Net interest income | 873,000 | 1,750,000 | 2,631,000 |
| Noninterest income | 129,000 | 707,000 | 921,000 |
| Noninterest expense | 994,000 | 2,128,000 | 3,308,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 8,000 | 329,000 | 244,000 |
| Income tax | 0 | -10,000 | -10,000 |
| Net income | 8,000 | 339,000 | 254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 |
|---|---|---|---|
| Tier 1 capital | 11,098,000 | 11,430,000 | 11,345,000 |
| Total capital | 12,039,000 | 12,429,000 | 12,332,000 |
| Risk-weighted assets | 74,438,000 | 79,119,000 | 78,175,000 |