Call reports 2008
REGAL BANK & TRUST — 2008
What REGAL BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 160,681,000 | 166,814,000 | 171,021,000 | 169,324,000 |
| Total loans | 124,026,000 | 124,280,000 | 129,967,000 | 133,293,000 |
| Allowance for loan losses | 1,310,000 | 1,096,000 | 1,260,000 | 1,985,000 |
| Securities available for sale | 22,275,000 | 20,847,000 | 20,208,000 | 20,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,864,000 | 138,044,000 | 129,723,000 | 134,499,000 |
| Interest-bearing deposits | 110,342,000 | 126,566,000 | 120,695,000 | 126,023,000 |
| Noninterest-bearing deposits | 10,522,000 | 11,478,000 | 9,028,000 | 8,476,000 |
| Equity capital | 14,582,000 | 15,904,000 | 16,022,000 | 18,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,611,000 | 5,387,000 | 8,121,000 | 10,796,000 |
| Interest expense | 1,356,000 | 2,650,000 | 3,935,000 | 5,201,000 |
| Net interest income | 1,255,000 | 2,737,000 | 4,186,000 | 5,595,000 |
| Noninterest income | 169,000 | 281,000 | 355,000 | 171,000 |
| Noninterest expense | 1,365,000 | 2,719,000 | 4,008,000 | 5,935,000 |
| Provision for loan losses | 84,000 | 85,000 | 246,000 | 1,055,000 |
| Pretax income | -25,000 | 214,000 | 287,000 | -1,137,000 |
| Income tax | -14,000 | 78,000 | 104,000 | -424,000 |
| Net income | -11,000 | 136,000 | 183,000 | -713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,604,000 | 16,251,000 | 16,298,000 | 18,707,000 |
| Total capital | 15,914,000 | 17,347,000 | 17,558,000 | 20,434,000 |
| Risk-weighted assets | 128,097,000 | 129,480,000 | 135,634,000 | 137,894,000 |