Call reports 2015
REGAL BANK & TRUST — 2015
What REGAL BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Total assets | 138,946,000 | 133,492,000 | 135,673,000 |
| Total loans | 99,144,000 | 97,112,000 | 98,021,000 |
| Allowance for loan losses | 1,103,000 | 1,168,000 | 1,167,000 |
| Securities available for sale | 25,435,000 | 24,235,000 | 23,801,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 111,996,000 | 107,009,000 | 104,423,000 |
| Interest-bearing deposits | 101,959,000 | 97,817,000 | 94,585,000 |
| Noninterest-bearing deposits | 10,037,000 | 9,192,000 | 9,838,000 |
| Equity capital | 13,467,000 | 12,942,000 | 13,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Interest income | 1,490,000 | 2,987,000 | 4,408,000 |
| Interest expense | 245,000 | 489,000 | 718,000 |
| Net interest income | 1,245,000 | 2,498,000 | 3,690,000 |
| Noninterest income | 107,000 | 140,000 | 197,000 |
| Noninterest expense | 1,288,000 | 2,497,000 | 3,779,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 |
| Pretax income | 54,000 | 131,000 | 98,000 |
| Income tax | 17,000 | 0 | 0 |
| Net income | 37,000 | 131,000 | 98,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 13,623,000 | 13,367,000 | 13,329,000 |
| Total capital | 14,745,000 | 14,553,000 | 14,515,000 |
| Risk-weighted assets | 96,777,000 | 97,784,000 | 98,526,000 |