Call reports 2006
REGAL BANK & TRUST — 2006
What REGAL BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 123,373,000 | 124,677,000 | 132,406,000 | 135,472,000 |
| Total loans | 105,400,000 | 108,321,000 | 111,073,000 | 109,416,000 |
| Allowance for loan losses | 1,144,000 | 1,192,000 | 1,228,000 | 1,191,000 |
| Securities available for sale | 9,336,000 | 8,807,000 | 11,485,000 | 11,144,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,501,000 | 107,300,000 | 107,527,000 | 116,337,000 |
| Interest-bearing deposits | 94,070,000 | 96,063,000 | 97,892,000 | 106,911,000 |
| Noninterest-bearing deposits | 12,431,000 | 11,237,000 | 9,635,000 | 9,426,000 |
| Equity capital | 9,881,000 | 10,150,000 | 10,824,000 | 11,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,473,000 | 5,088,000 | 7,865,000 | 10,702,000 |
| Interest expense | 880,000 | 1,800,000 | 2,834,000 | 4,008,000 |
| Net interest income | 1,593,000 | 3,288,000 | 5,031,000 | 6,694,000 |
| Noninterest income | 183,000 | 385,000 | 591,000 | 782,000 |
| Noninterest expense | 954,000 | 1,942,000 | 3,022,000 | 4,546,000 |
| Provision for loan losses | 0 | 266,000 | 320,000 | 298,000 |
| Pretax income | 822,000 | 1,465,000 | 2,280,000 | 2,632,000 |
| Income tax | 315,000 | 561,000 | 873,000 | 1,006,000 |
| Net income | 507,000 | 904,000 | 1,407,000 | 1,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,230,000 | 10,600,000 | 11,077,000 | 11,271,000 |
| Total capital | 11,374,000 | 11,792,000 | 12,305,000 | 12,462,000 |
| Risk-weighted assets | 97,810,000 | 101,141,000 | 105,923,000 | 106,487,000 |