Regal Bank & Trust in Owings Mills, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

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

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total 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
  • 36Total employees (full-time equivalent)
  • $184,479Total assets
  • $36,418Cash and due from depository institutions
  • $35,753Interest-bearing balances
  • $25,825Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $105,515Net loans & leases
  • $2,758Loan loss allowance
  • $0Trading account assets
  • $2,910Bank premises and fixed assets
  • $6,438Other real estate owned
  • $0Goodwill and other intangibles
  • $184,479Life insurance assets
  • $7,373All other assets
  • $171,993Total liabilities and capital
  • $147,909Total liabilities
  • $135,356Total deposits
  • $147,909Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $23,000Trading liabilities
  • $0Other borrowed funds
  • $1,084Subordinated debt
  • $12,486All other liabilities
  • $12,486Total equity capital
  • $12,486Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $8,994Surplus
  • $2,742Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $118Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,742Income earned, not collected on loans
  • $31Earning assets
  • $381Long-term assets (5+ years)
  • $167,093Average Assets, year-to-date
  • $44,523Average Assets, quarterly
  • $181,908Volatile liabilities
  • $183,255Insider loans
  • $113,788FHLB advances
  • $184,906Loans and leases held for sale
  • $3,903Unused loan commitments
  • $905Tier 1 (core) risk-based capital
  • $12,271Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,998Total unused commitments
  • $11,053Restructured Loans and leases
  • $2,901Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,093Total interest income
  • $2,312Total interest expense
  • $5,781Net interest income
  • $3,621Provision for loan and lease losses
  • $293Total noninterest income
  • $0Fiduciary activities
  • $52Service charges on deposit accounts
  • $0Trading account gains & fees
  • $241Additional noninterest income
  • $7,257Total noninterest expense
  • $2,684Salaries and employee benefits
  • $950Premises and equipment expense
  • $3,623Additional noninterest expense
  • -$4,804Pre-tax net operating income
  • $2,185Securities gains (losses)
  • $0Applicable income taxes
  • -$2,619Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,619Net income attributable to bank
  • $0Net charge-offs
  • -$2,619Cash dividends
  • $3,373Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 3.54%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 4.44%Noninterest expense to earning assets
  • -2.64%Net operating income to assets
  • -1.44%Return on assets (ROA)
  • -1.44%Pretax return on assets
  • -19.02%Return on equity (ROE)
  • -19.02%Retained earnings to average equity (YTD only)
  • 3.10%Net charge-offs to loans
  • 107.35%Credit loss provision to net charge-offs
  • -0.35%Efficiency ratio
  • 119,476Assets per employee
  • 5.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.55%Loss allowance to noncurrent loans
  • 48.03%Noncurrent assets plus other real estate owned to assets
  • 6.60%Noncurrent loans to loans
  • 5.30%Net loans and leases to deposits
  • 71.34%Net loans and leases to core deposits
  • 87.27%Equity capital to assets
  • 6.77%Core capital (leverage) ratio
  • 6.64%Tier 1 risk-based capital ratio
  • 10.78%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $181,908Average earning assets
  • $13,772Average equity
  • $163,502Average loans

List of branches

  • 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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