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Regal Financial Bank

Seattle, WA · Cert 57236

FDIC · 1 branch

Q3 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Regal Financial Bank

Seattle, WA · Cert 57236

FDIC · 1 branch

Q3 2014

$95.3MAssets
$78.9MLoans
$83.7MDeposits
$11.2MEquity
Loan mix
46%RE $28.8M48%C&I $29.9M5%Consumer $3.3MQ3 2013Q3 2014
Deposit mix
86%Interest-bearing $71.7M14%Noninterest $12.0MQ3 2013Q3 2014

NIM

3.95%Q3 ’123.94%Q3 ’134.04%Q3 ’14+5%+2%

Non-interest income vs. expense

3.82%Q3 ’124.43%Q3 ’134.47%Q3 ’14+47%-21%

Market Position · Seattle-Tacoma-Bellevue, WA · 2014 SOD (annual) · 0.1% share · #38 of 58 inst. · $0.1B of $81.3B

Executive Summary

  • Earnings: ROA of 0.34%, up 310 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.09%.
  • Funding: loans stand at 94.35% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.34%+310 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+6 bps YoY

Efficiency Ratio (YTD, annualized)

93.13%-2,257 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-2.76%-2.76%0.03%0.68%0.34%+310 bps
Return on Equity-21.30%-22.13%0.29%6.12%3.05%+2,435 bps
Net Interest Margin3.49%3.37%3.44%3.42%3.56%+6 bps
Efficiency Ratio115.70%123.22%99.20%86.61%93.13%-2,257 bps
Non-Interest Burden4.09%4.24%3.40%2.78%3.23%-87 bps
Growth
Asset Growth (YoY)3.74%5.37%2.22%-2.36%-6.94%-1,068 bps
Loan Growth (YoY)12.66%4.46%-4.59%-5.54%-2.87%-1,552 bps
Deposit Growth (YoY)5.25%9.47%5.96%-1.04%-7.47%-1,272 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.45%2.69%-0.21%-0.14%-0.09%-253 bps
Allowance / Loans2.52%2.28%2.39%2.30%2.28%-23 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital15.99%15.88%16.17%15.71%15.77%-22 bps
Equity / Assets11.20%10.62%11.11%11.54%11.79%+59 bps
Liquidity & Funding
Loans / Deposits89.88%84.01%85.99%90.75%94.35%+447 bps
Liquid Assets / Assets11.93%15.87%14.51%10.57%8.51%-342 bps
CRE / Total Capitaln/an/an/an/an/an/an/a