Call reports 2007
REGAL BANK & TRUST — 2007
What REGAL BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 130,975,000 | 131,429,000 | 137,300,000 | 141,617,000 |
| Total loans | 109,884,000 | 110,296,000 | 116,484,000 | 116,769,000 |
| Allowance for loan losses | 1,230,000 | 1,317,000 | 1,542,000 | 1,226,000 |
| Securities available for sale | 13,764,000 | 12,954,000 | 12,640,000 | 12,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,727,000 | 111,706,000 | 111,124,000 | 109,541,000 |
| Interest-bearing deposits | 103,185,000 | 103,179,000 | 102,329,000 | 100,792,000 |
| Noninterest-bearing deposits | 9,542,000 | 8,527,000 | 8,795,000 | 8,749,000 |
| Equity capital | 11,288,000 | 11,336,000 | 11,739,000 | 11,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,700,000 | 5,395,000 | 8,056,000 | 10,805,000 |
| Interest expense | 1,191,000 | 2,402,000 | 3,675,000 | 4,997,000 |
| Net interest income | 1,509,000 | 2,993,000 | 4,381,000 | 5,808,000 |
| Noninterest income | 117,000 | 363,000 | 797,000 | 918,000 |
| Noninterest expense | 1,186,000 | 2,505,000 | 3,590,000 | 4,839,000 |
| Provision for loan losses | 34,000 | 49,000 | 269,000 | 1,108,000 |
| Pretax income | 406,000 | 802,000 | 1,319,000 | 779,000 |
| Income tax | 154,000 | 304,000 | 501,000 | 273,000 |
| Net income | 252,000 | 498,000 | 818,000 | 506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,497,000 | 11,717,000 | 12,012,000 | 11,673,000 |
| Total capital | 12,727,000 | 13,034,000 | 13,463,000 | 12,899,000 |
| Risk-weighted assets | 106,981,000 | 108,487,000 | 115,952,000 | 118,970,000 |