Call reports 2012
REGAL BANK & TRUST — 2012
What REGAL BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 176,480,000 | 174,112,000 | 171,953,000 | 153,608,000 |
| Total loans | 112,695,000 | 103,397,000 | 101,982,000 | 99,022,000 |
| Allowance for loan losses | 2,796,000 | 2,806,000 | 2,284,000 | 1,817,000 |
| Securities available for sale | 34,465,000 | 34,030,000 | 38,246,000 | 29,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,079,000 | 139,323,000 | 141,620,000 | 128,249,000 |
| Interest-bearing deposits | 130,216,000 | 125,609,000 | 122,612,000 | 119,095,000 |
| Noninterest-bearing deposits | 11,863,000 | 13,715,000 | 19,008,000 | 9,154,000 |
| Equity capital | 12,575,000 | 12,794,000 | 13,350,000 | 13,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,921,000 | 3,830,000 | 5,586,000 | 7,331,000 |
| Interest expense | 505,000 | 975,000 | 1,414,000 | 1,790,000 |
| Net interest income | 1,416,000 | 2,855,000 | 4,172,000 | 5,541,000 |
| Noninterest income | 552,000 | 483,000 | 436,000 | 232,000 |
| Noninterest expense | 1,442,000 | 2,998,000 | 4,356,000 | 5,800,000 |
| Provision for loan losses | 338,000 | 478,000 | 478,000 | 0 |
| Pretax income | 403,000 | 271,000 | 427,000 | 1,124,000 |
| Income tax | 0 | 0 | 0 | 212,000 |
| Net income | 403,000 | 271,000 | 427,000 | 912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,674,000 | 12,538,000 | 12,692,000 | 13,177,000 |
| Total capital | 14,123,000 | 13,884,000 | 14,055,000 | 14,483,000 |
| Risk-weighted assets | 114,555,000 | 106,218,000 | 108,138,000 | 103,947,000 |