Call reports 2005
REGAL BANK & TRUST — 2005
What REGAL BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 109,171,000 | 117,574,000 | 121,134,000 | 125,887,000 |
| Total loans | 91,646,000 | 100,247,000 | 104,895,000 | 107,946,000 |
| Allowance for loan losses | 1,241,000 | 1,244,000 | 1,245,000 | 1,180,000 |
| Securities available for sale | 11,617,000 | 11,283,000 | 10,354,000 | 9,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,569,000 | 97,987,000 | 102,606,000 | 108,570,000 |
| Interest-bearing deposits | 78,709,000 | 85,000,000 | 92,861,000 | 96,763,000 |
| Noninterest-bearing deposits | 11,860,000 | 12,987,000 | 9,745,000 | 11,807,000 |
| Equity capital | 8,463,000 | 8,981,000 | 9,263,000 | 9,510,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,845,000 | 3,899,000 | 6,176,000 | 8,578,000 |
| Interest expense | 654,000 | 1,386,000 | 2,219,000 | 3,141,000 |
| Net interest income | 1,191,000 | 2,513,000 | 3,957,000 | 5,437,000 |
| Noninterest income | 126,000 | 276,000 | 424,000 | 595,000 |
| Noninterest expense | 785,000 | 1,629,000 | 2,528,000 | 3,706,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 532,000 | 1,160,000 | 1,853,000 | 2,326,000 |
| Income tax | 203,000 | 443,000 | 708,000 | 890,000 |
| Net income | 329,000 | 717,000 | 1,145,000 | 1,436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,719,000 | 9,080,000 | 9,482,000 | 9,747,000 |
| Total capital | 9,797,000 | 10,240,000 | 10,670,000 | 10,927,000 |
| Risk-weighted assets | 86,105,000 | 92,737,000 | 94,951,000 | 99,424,000 |
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