Call reports 2004
REGAL BANK & TRUST — 2004
What REGAL BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 92,140,000 | 100,914,000 | 99,684,000 | 106,290,000 |
| Total loans | 74,848,000 | 80,007,000 | 82,294,000 | 87,904,000 |
| Allowance for loan losses | 1,272,000 | 1,315,000 | 1,287,000 | 1,280,000 |
| Securities available for sale | 10,701,000 | 12,779,000 | 12,649,000 | 12,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,124,000 | 84,549,000 | 81,354,000 | 87,386,000 |
| Interest-bearing deposits | 63,589,000 | 72,270,000 | 69,137,000 | 75,322,000 |
| Noninterest-bearing deposits | 12,535,000 | 12,279,000 | 12,217,000 | 12,064,000 |
| Equity capital | 7,576,000 | 7,574,000 | 8,036,000 | 8,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,483,000 | 3,117,000 | 4,889,000 | 6,685,000 |
| Interest expense | 517,000 | 1,065,000 | 1,636,000 | 2,239,000 |
| Net interest income | 966,000 | 2,052,000 | 3,253,000 | 4,446,000 |
| Noninterest income | 133,000 | 381,000 | 513,000 | 741,000 |
| Noninterest expense | 822,000 | 1,615,000 | 2,383,000 | 3,405,000 |
| Provision for loan losses | 45,000 | 91,000 | 121,000 | 106,000 |
| Pretax income | 264,000 | 759,000 | 1,294,000 | 1,708,000 |
| Income tax | 99,000 | 288,000 | 492,000 | 651,000 |
| Net income | 165,000 | 471,000 | 802,000 | 1,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,611,000 | 7,883,000 | 8,178,000 | 8,415,000 |
| Total capital | 8,464,000 | 8,823,000 | 9,138,000 | 9,460,000 |
| Risk-weighted assets | 67,860,000 | 74,805,000 | 76,457,000 | 83,404,000 |