Call reports 2003
REGAL BANK & TRUST — 2003
What REGAL BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 81,556,000 | 85,370,000 | 90,067,000 | 92,438,000 |
| Total loans | 66,419,000 | 65,868,000 | 70,607,000 | 74,869,000 |
| Allowance for loan losses | 1,251,000 | 1,237,000 | 1,237,000 | 1,237,000 |
| Securities available for sale | 6,949,000 | 12,064,000 | 13,413,000 | 12,482,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,854,000 | 69,486,000 | 72,395,000 | 76,308,000 |
| Interest-bearing deposits | 59,803,000 | 61,478,000 | 63,019,000 | 61,957,000 |
| Noninterest-bearing deposits | 6,051,000 | 8,008,000 | 9,376,000 | 14,351,000 |
| Equity capital | 7,169,000 | 7,325,000 | 7,280,000 | 7,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,447,000 | 2,867,000 | 4,355,000 | 5,835,000 |
| Interest expense | 549,000 | 1,113,000 | 1,657,000 | 2,186,000 |
| Net interest income | 898,000 | 1,754,000 | 2,698,000 | 3,649,000 |
| Noninterest income | 223,000 | 451,000 | 562,000 | 676,000 |
| Noninterest expense | 776,000 | 1,605,000 | 2,334,000 | 3,131,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 321,000 | 595,000 | 936,000 | 1,198,000 |
| Income tax | 121,000 | 224,000 | 354,000 | 457,000 |
| Net income | 200,000 | 371,000 | 582,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,009,000 | 7,160,000 | 7,351,000 | 7,490,000 |
| Total capital | 7,791,000 | 7,910,000 | 8,139,000 | 8,340,000 |
| Risk-weighted assets | 62,109,000 | 59,523,000 | 62,578,000 | 67,622,000 |