Regal Bank & Trust in Owings Mills, Maryland (MD)



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Regal Bank & Trust
GeneralFDIC Certificate #: 32370
Status: Active
Federal Reserve ID: 692478
Bank Holding Company (Regulatory Top Holder): Regal Bancorp, Inc. (RSSDID: 2847870, Location: Owings Mills, MD)
Date Established: April 04, 1947
WWW: http://www.regalbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 8194
FDIC's unique #: 45204
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: August 05, 1985
Last Structure Change Effective Date: October 31, 2007
Last Structure Change Process Date: October 31, 2007
Last Data Update: October 31, 2007
Data Source Date: April 05, 2012
LocationAddress: 11436 Cronhill Drive Unit 1, Owings Mills, MD 21117
County: Baltimore
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Baltimore
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Baltimore, MD (#720)
Consolidated Metropolitan Statistical Area (CMSA): Washington-Baltimore, DC-MD-VA-WV (#97)
Combined Statistical Area (CSA): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548)
Core Based Statistical Area (CBSA): Baltimore-Towson, MD (#12580)
CBSA Metro Statistical Area: Baltimore-Towson, MD (#12580)
History of ChangesCorrections
Change in Location
Financial SummaryTotal assets: $184.5 mil
Equity capital: $12.5 mil
Deposits held in domestic offices: $147.9 mil
Return on assets (ROA): -1.44% (-$2.6 mil)
Quarterly return on assets: -0.28% (-$0.5 mil)
Return on Equity (ROE): -19.02% (-$2.3 mil)
Quarterly return on equity: -4.02% (-$0.5 mil)
Net income: -$2.6 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: -1.44% (-$2,656.5 mil)
Quarterly Pretax return on assets: -0.28% (-$516.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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)
Total employees (full-time equivalent)36
Total assets$184,479
Cash and due from depository institutions$36,418
Interest-bearing balances$35,753
Securities$25,825
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$105,515
Loan loss allowance $2,758
Trading account assets$0
Bank premises and fixed assets$2,910
Other real estate owned$6,438
Goodwill and other intangibles$0
All other assets$7,373
Life insurance assets$184,479
Total liabilities and capital$171,993
Total liabilities$147,909
Total deposits$135,356
Interest-bearing deposits$147,909
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$23,000
Other borrowed funds $0
Subordinated debt $1,084
All other liabilities $12,486
Total equity capital$12,486
Total bank equity capital$12,486
Perpetual preferred stock$0
Common stock$750
Surplus$8,994
Undivided profits $2,742
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $118
Income earned, not collected on loans $5,742
Earning assets $31
Long-term assets (5+ years) $381
Average Assets, year-to-date $167,093
Average Assets, quarterly $44,523
Volatile liabilities $181,908
Insider loans $183,255
FHLB advances $113,788
Loans and leases held for sale $184,906
Unused loan commitments $3,903
Tier 1 (core) risk-based capital $905
Tier 2 risk-based capital $12,271
Total risk weighted assets $0
Total unused commitments $2,998
Restructured Loans and leases $11,053
Derivatives$2,901
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,093
Total interest expense $2,312
Net interest income $5,781
Provision for loan and lease losses $3,621
Total noninterest income $293
Fiduciary activities $0
Service charges on deposit accounts $52
Trading account gains & fees $0
Additional noninterest income $241
Total noninterest expense $7,257
Salaries and employee benefits $2,684
Premises and equipment expense $950
Additional noninterest expense $3,623
Pre-tax net operating income -$4,804
Securities gains (losses) $2,185
Applicable income taxes $0
Income before extraordinary items -$2,619
Extraordinary gains - net $0
Net income attributable to bank -$2,619
Net charge-offs $0
Cash dividends -$2,619
Sale, conversion, retirement of capital stock, net $3,373
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.95%
Cost of funding earning assets 1.41%
Net interest margin 3.54%
Noninterest income to earning assets 0.18%
Noninterest expense to earning assets 4.44%
Net operating income to assets -2.64%
Return on assets (ROA) -1.44%
Pretax return on assets -1.44%
Return on equity (ROE) -19.02%
Retained earnings to average equity (YTD only) -19.02%
Net charge-offs to loans 3.10%
Credit loss provision to net charge-offs 107.35%
Efficiency ratio-0.35%
Assets per employee$119,476
Cash dividends to net income (YTD only)5.12%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.55%
Noncurrent assets plus other real estate owned to assets 48.03%
Noncurrent loans to loans 6.60%
Net loans and leases to deposits5.30%
Net loans and leases to core deposits 71.34%
Equity capital to assets 87.27%
Core capital (leverage) ratio 6.77%
Tier 1 risk-based capital ratio 6.64%
Total risk-based capital ratio 10.78%
Memoranda
Average assets$12
Average earning assets$181,908
Average equity $13,772
Average loans $163,502
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4 Maryland Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
045204Regal Bank & Trust11436 Cronhill Drive Unit 1, Owings Mills, MD 21117April 04, 1947Full Service Brick and Mortar
103365021Westminster Branch1046 Baltimore Boulevard, Westminster, MD 21157Febuary 11, 2002Full Service Brick and Mortar
104463134Hunt Valley Office10620 York Road, Hunt Valley, MD 21030October 30, 2006Full Service Brick and Mortar
105521306Owings Mills Branch10123 Reisterstown Rd, Owings Mills, MD 21117June 30, 1985Full Service Brick and Mortar
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