Call reports 2001
REGAL BANK & TRUST — 2001
What REGAL BANK & TRUST reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 67,606,000 | 73,338,000 | 74,738,000 | 74,228,000 |
| Total loans | 53,194,000 | 54,799,000 | 54,064,000 | 57,485,000 |
| Allowance for loan losses | 1,098,000 | 1,119,000 | 1,136,000 | 1,146,000 |
| Securities available for sale | 9,013,000 | 7,636,000 | 11,904,000 | 11,067,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,198,000 | 58,994,000 | 59,996,000 | 56,177,000 |
| Interest-bearing deposits | 48,800,000 | 54,163,000 | 55,072,000 | 51,501,000 |
| Noninterest-bearing deposits | 4,398,000 | 4,831,000 | 4,924,000 | 4,676,000 |
| Equity capital | 5,796,000 | 5,890,000 | 6,182,000 | 6,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,619,000 | 3,115,000 | 4,655,000 | 6,022,000 |
| Interest expense | 740,000 | 1,450,000 | 2,185,000 | 2,853,000 |
| Net interest income | 879,000 | 1,665,000 | 2,470,000 | 3,169,000 |
| Noninterest income | 146,000 | 317,000 | 455,000 | 632,000 |
| Noninterest expense | 637,000 | 1,313,000 | 1,974,000 | 2,683,000 |
| Provision for loan losses | 10,000 | 20,000 | 31,000 | 41,000 |
| Pretax income | 378,000 | 649,000 | 985,000 | 1,142,000 |
| Income tax | 146,000 | 250,000 | 380,000 | 441,000 |
| Net income | 232,000 | 399,000 | 605,000 | 701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,414,000 | 5,528,000 | 5,780,000 | 5,834,000 |
| Total capital | 6,030,000 | 6,161,000 | 6,424,000 | 6,521,000 |
| Risk-weighted assets | 48,759,000 | 50,180,000 | 51,039,000 | 54,516,000 |