Call reports 2014
REGAL BANK & TRUST — 2014
What REGAL BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 142,348,000 | 141,621,000 | 139,654,000 | 136,648,000 |
| Total loans | 98,816,000 | 101,093,000 | 100,552,000 | 99,726,000 |
| Allowance for loan losses | 1,306,000 | 1,326,000 | 1,317,000 | 1,089,000 |
| Securities available for sale | 26,517,000 | 26,522,000 | 25,851,000 | 25,777,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,076,000 | 111,963,000 | 110,480,000 | 107,079,000 |
| Interest-bearing deposits | 104,932,000 | 101,056,000 | 101,843,000 | 97,926,000 |
| Noninterest-bearing deposits | 9,144,000 | 10,907,000 | 8,637,000 | 9,153,000 |
| Equity capital | 12,734,000 | 13,213,000 | 13,308,000 | 13,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,493,000 | 3,002,000 | 4,575,000 | 6,106,000 |
| Interest expense | 280,000 | 559,000 | 832,000 | 1,092,000 |
| Net interest income | 1,213,000 | 2,443,000 | 3,743,000 | 5,014,000 |
| Noninterest income | 75,000 | 344,000 | 422,000 | 468,000 |
| Noninterest expense | 1,267,000 | 2,594,000 | 3,830,000 | 5,089,000 |
| Provision for loan losses | 0 | 0 | 0 | -138,000 |
| Pretax income | 21,000 | 193,000 | 335,000 | 531,000 |
| Income tax | 0 | 0 | 0 | 488,000 |
| Net income | 21,000 | 193,000 | 335,000 | 43,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,650,000 | 13,813,000 | 13,954,000 | 13,614,000 |
| Total capital | 14,906,000 | 15,067,000 | 15,187,000 | 14,722,000 |
| Risk-weighted assets | 100,485,000 | 100,176,000 | 98,663,000 | 97,180,000 |