Call reports 2002
REGAL BANK & TRUST — 2002
What REGAL BANK & TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 72,864,000 | 76,365,000 | 76,091,000 | 76,147,000 |
| Total loans | 56,034,000 | 59,294,000 | 61,403,000 | 61,987,000 |
| Allowance for loan losses | 1,167,000 | 1,190,000 | 1,208,000 | 1,228,000 |
| Securities available for sale | 10,453,000 | 10,254,000 | 9,187,000 | 7,947,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,335,000 | 61,507,000 | 60,829,000 | 60,366,000 |
| Interest-bearing deposits | 53,560,000 | 55,225,000 | 55,290,000 | 55,087,000 |
| Noninterest-bearing deposits | 4,775,000 | 6,282,000 | 5,539,000 | 5,279,000 |
| Equity capital | 6,244,000 | 6,494,000 | 6,795,000 | 6,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,380,000 | 2,762,000 | 4,172,000 | 5,892,000 |
| Interest expense | 622,000 | 1,239,000 | 1,833,000 | 2,409,000 |
| Net interest income | 758,000 | 1,523,000 | 2,339,000 | 3,483,000 |
| Noninterest income | 150,000 | 308,000 | 526,000 | 571,000 |
| Noninterest expense | 742,000 | 1,485,000 | 2,206,000 | 2,992,000 |
| Provision for loan losses | 18,000 | 21,000 | 35,000 | 53,000 |
| Pretax income | 148,000 | 325,000 | 624,000 | 1,083,000 |
| Income tax | 56,000 | 119,000 | 232,000 | 419,000 |
| Net income | 92,000 | 206,000 | 392,000 | 664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,894,000 | 6,086,000 | 6,337,000 | 6,520,000 |
| Total capital | 6,559,000 | 6,792,000 | 7,068,000 | 7,262,000 |
| Risk-weighted assets | 52,697,000 | 55,973,000 | 58,015,000 | 58,881,000 |