Call reports 2011
REGAL BANK & TRUST — 2011
What REGAL BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 181,433,000 | 185,189,000 | 182,031,000 | 184,479,000 |
| Total loans | 105,750,000 | 107,121,000 | 108,218,000 | 108,274,000 |
| Allowance for loan losses | 2,495,000 | 2,582,000 | 2,434,000 | 2,758,000 |
| Securities available for sale | 44,755,000 | 39,590,000 | 34,469,000 | 25,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,395,000 | 152,260,000 | 150,127,000 | 147,909,000 |
| Interest-bearing deposits | 140,183,000 | 140,037,000 | 138,104,000 | 135,356,000 |
| Noninterest-bearing deposits | 11,212,000 | 12,223,000 | 12,023,000 | 12,553,000 |
| Equity capital | 14,332,000 | 13,879,000 | 12,968,000 | 12,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,063,000 | 4,131,000 | 6,115,000 | 8,093,000 |
| Interest expense | 596,000 | 1,186,000 | 1,763,000 | 2,312,000 |
| Net interest income | 1,467,000 | 2,945,000 | 4,352,000 | 5,781,000 |
| Noninterest income | 135,000 | 194,000 | 231,000 | -1,232,000 |
| Noninterest expense | 1,740,000 | 3,442,000 | 5,586,000 | 5,732,000 |
| Provision for loan losses | 576,000 | 1,513,000 | 3,158,000 | 3,621,000 |
| Pretax income | -714,000 | -1,191,000 | -2,491,000 | -2,619,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -714,000 | -1,191,000 | -2,491,000 | -2,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,176,000 | 13,700,000 | 12,400,000 | 12,271,000 |
| Total capital | 15,653,000 | 15,147,000 | 13,841,000 | 13,710,000 |
| Risk-weighted assets | 117,108,000 | 114,612,000 | 114,282,000 | 113,788,000 |