Call reports 2009
REGAL BANK & TRUST — 2009
What REGAL BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 170,282,000 | 165,265,000 | 169,329,000 | 176,391,000 |
| Total loans | 132,977,000 | 133,774,000 | 130,048,000 | 128,046,000 |
| Allowance for loan losses | 1,869,000 | 2,522,000 | 2,320,000 | 3,039,000 |
| Securities available for sale | 19,702,000 | 16,992,000 | 16,783,000 | 29,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,452,000 | 130,893,000 | 135,223,000 | 143,598,000 |
| Interest-bearing deposits | 127,009,000 | 122,893,000 | 125,462,000 | 134,720,000 |
| Noninterest-bearing deposits | 8,443,000 | 8,000,000 | 9,761,000 | 8,878,000 |
| Equity capital | 19,083,000 | 18,558,000 | 18,435,000 | 17,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,490,000 | 4,966,000 | 7,438,000 | 9,821,000 |
| Interest expense | 1,155,000 | 2,170,000 | 3,094,000 | 3,970,000 |
| Net interest income | 1,335,000 | 2,796,000 | 4,344,000 | 5,851,000 |
| Noninterest income | 225,000 | 378,000 | 486,000 | 502,000 |
| Noninterest expense | 1,330,000 | 2,901,000 | 4,355,000 | 6,030,000 |
| Provision for loan losses | 170,000 | 896,000 | 1,590,000 | 2,843,000 |
| Pretax income | 60,000 | -623,000 | -923,000 | -2,275,000 |
| Income tax | 16,000 | -265,000 | -389,000 | -885,000 |
| Net income | 44,000 | -358,000 | -534,000 | -1,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,752,000 | 18,349,000 | 18,173,000 | 17,318,000 |
| Total capital | 20,478,000 | 20,083,000 | 19,932,000 | 19,033,000 |
| Risk-weighted assets | 137,910,000 | 137,931,000 | 140,140,000 | 135,852,000 |