Call reports 2010
REGAL BANK & TRUST — 2010
What REGAL BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 182,862,000 | 184,360,000 | 178,811,000 | 176,410,000 |
| Total loans | 126,412,000 | 123,022,000 | 120,073,000 | 115,057,000 |
| Allowance for loan losses | 2,612,000 | 2,006,000 | 1,973,000 | 2,510,000 |
| Securities available for sale | 35,434,000 | 35,022,000 | 39,635,000 | 41,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,629,000 | 150,827,000 | 144,709,000 | 145,480,000 |
| Interest-bearing deposits | 138,996,000 | 140,460,000 | 135,196,000 | 137,723,000 |
| Noninterest-bearing deposits | 10,633,000 | 10,366,000 | 9,513,000 | 7,757,000 |
| Equity capital | 17,411,000 | 17,855,000 | 18,429,000 | 15,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,350,000 | 4,570,000 | 6,795,000 | 8,989,000 |
| Interest expense | 745,000 | 1,432,000 | 2,082,000 | 2,694,000 |
| Net interest income | 1,605,000 | 3,138,000 | 4,713,000 | 6,295,000 |
| Noninterest income | 65,000 | 358,000 | 708,000 | 953,000 |
| Noninterest expense | 1,412,000 | 3,028,000 | 4,440,000 | 6,279,000 |
| Provision for loan losses | 243,000 | 866,000 | 1,346,000 | 2,960,000 |
| Pretax income | 15,000 | -186,000 | -153,000 | -1,779,000 |
| Income tax | -11,000 | -95,000 | -90,000 | 648,000 |
| Net income | 26,000 | -91,000 | -63,000 | -2,427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,344,000 | 17,227,000 | 17,255,000 | 14,891,000 |
| Total capital | 19,053,000 | 18,875,000 | 18,853,000 | 16,429,000 |
| Risk-weighted assets | 135,811,000 | 131,431,000 | 127,459,000 | 122,015,000 |