Call reports 2013
REGAL BANK & TRUST — 2013
What REGAL BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 150,604,000 | 144,084,000 | 149,166,000 | 142,977,000 |
| Total loans | 101,324,000 | 95,526,000 | 95,761,000 | 100,128,000 |
| Allowance for loan losses | 1,694,000 | 1,607,000 | 1,961,000 | 1,268,000 |
| Securities available for sale | 27,741,000 | 27,969,000 | 27,261,000 | 26,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,690,000 | 121,137,000 | 121,269,000 | 114,954,000 |
| Interest-bearing deposits | 115,902,000 | 111,721,000 | 108,247,000 | 105,848,000 |
| Noninterest-bearing deposits | 9,788,000 | 9,416,000 | 13,022,000 | 9,105,000 |
| Equity capital | 12,880,000 | 12,393,000 | 12,314,000 | 12,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,574,000 | 3,072,000 | 4,678,000 | 6,230,000 |
| Interest expense | 334,000 | 653,000 | 968,000 | 1,264,000 |
| Net interest income | 1,240,000 | 2,419,000 | 3,710,000 | 4,966,000 |
| Noninterest income | 97,000 | 431,000 | 441,000 | 371,000 |
| Noninterest expense | 1,365,000 | 2,642,000 | 3,960,000 | 5,249,000 |
| Provision for loan losses | 0 | 0 | 0 | -400,000 |
| Pretax income | -47,000 | 189,000 | 172,000 | 469,000 |
| Income tax | 0 | 0 | 0 | 13,000 |
| Net income | -47,000 | 189,000 | 172,000 | 456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,130,000 | 13,362,000 | 13,344,000 | 13,629,000 |
| Total capital | 14,433,000 | 14,609,000 | 14,600,000 | 14,903,000 |
| Risk-weighted assets | 103,815,000 | 99,458,000 | 99,816,000 | 102,037,000 |