Regal Bank in Livingston, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches

Regal Bank - Overview

  • General
  • FDIC Certificate #: 58574
    Status: Active
    Federal Reserve ID: 3650563
    Date Established: December 06, 2007
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 457228
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 06, 2007
    Last Structure Change Effective Date: December 10, 2007
    Last Structure Change Process Date: December 10, 2007
    Last Data Update: December 10, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 570 West Mount Pleasant Avenue, Livingston, NJ 7039
    County: Essex
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Jamesburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Newark, NJ (#5640)
    Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
    Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
    Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    Core Based Statistical Division: Newark-Union, NJ-PA (#35084)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $216.5 mil
    Equity capital: $24.1 mil
    Deposits held in domestic offices: $190.7 mil
    Return on assets (ROA): 0.62% ($1.3 mil)
    Quarterly return on assets: 0.63% ($1.4 mil)
    Return on Equity (ROE): 6.44% ($1.5 mil)
    Quarterly return on equity: 5.67% ($1.4 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.04% ($2,251.2 mil)
    Quarterly Pretax return on assets: 1.04% ($2,251.2 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 35Total employees (full-time equivalent)
  • $216,466Total assets
  • $30,975Cash and due from depository institutions
  • $2,962Interest-bearing balances
  • $5,177Securities
  • $8,680Federal funds sold & reverse repurchase agreements
  • $167,536Net loans & leases
  • $2,030Loan loss allowance
  • $0Trading account assets
  • $1,522Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $216,465Life insurance assets
  • $2,576All other assets
  • $192,367Total liabilities and capital
  • $190,741Total liabilities
  • $180,600Total deposits
  • $190,741Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,626Subordinated debt
  • $24,098All other liabilities
  • $24,098Total equity capital
  • $24,098Total bank equity capital
  • $7,000Perpetual preferred stock
  • $8,816Common stock
  • $9,271Surplus
  • $-989Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $725Income earned, not collected on loans
  • $0Earning assets
  • $542Long-term assets (5+ years)
  • $184,355Average Assets, year-to-date
  • $151,629Average Assets, quarterly
  • $191,956Volatile liabilities
  • $214,077Insider loans
  • $175,455FHLB advances
  • $212,300Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $23,566Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,010Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,698Total interest income
  • $2,197Total interest expense
  • $7,501Net interest income
  • $600Provision for loan and lease losses
  • $86Total noninterest income
  • $0Fiduciary activities
  • $62Service charges on deposit accounts
  • $0Trading account gains & fees
  • $24Additional noninterest income
  • $4,985Total noninterest expense
  • $2,920Salaries and employee benefits
  • $630Premises and equipment expense
  • $1,435Additional noninterest expense
  • $2,002Pre-tax net operating income
  • $0Securities gains (losses)
  • $807Applicable income taxes
  • $1,195Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,195Net income attributable to bank
  • $0Net charge-offs
  • $1,195Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.67%Yield on earning assets
  • 1.28%Cost of funding earning assets
  • 4.39%Net interest margin
  • 0.05%Noninterest income to earning assets
  • 2.92%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 6.44%Return on equity (ROE)
  • 6.44%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 65,704Assets per employee
  • 6.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 280.00%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.43%Net loans and leases to deposits
  • 87.83%Net loans and leases to core deposits
  • 91.51%Equity capital to assets
  • 11.13%Core capital (leverage) ratio
  • 11.10%Tier 1 risk-based capital ratio
  • 13.43%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $191,956Average earning assets
  • $18,557Average equity
  • $170,999Average loans

List of branches

  • 4 New Jersey Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0457228Regal Bank570 West Mount Pleasant Avenue, Livingston, NJ 7039December 06, 2007Full Service Brick and Mortar
    1478345504 South Livingston Branch504 South Livingston Avenue, Livingston, NJ 7039December 07, 2007Full Service Brick and Mortar
    2521620Roseland Branch180 Eagle Rock Avenue, Roseland, NJ 7068April 09, 2011Full Service Brick and Mortar
    3527587Florham Park Branch39 Columbia Turnpike, Florham Park, NJ 7932December 20, 2011Full Service Brick and Mortar

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