FOR IMMEDIATE RELEASE
REGAL BANCORP, INC. ANNOUNCES FINANCIAL RESULTS
July 25, 2005, Owings Mills, MD – Regal Bancorp, Inc., the parent company of Regal
Bank & Trust, reported consolidated net income for the first six month of the year ending
June 30, 2005 of $798,157, an 86% or $368,286 increase over the net income earned
during the first six months of 2004, $429,871.
In addition, Regal Bancorp, inc. reported consolidated net income of $430,875 for the
second quarter ending June 30, 2005, a 49% or $140,979 increase over the net income
earned during the second quarter 2004 of $289,896.
At the conclusion of the second quarter 2005, Regal Bancorp, Inc. experienced a 19% or
$19 million growth in total assets over the second quarter of 2004. Quarter end 2005
total assets were $121 million. Loans increased 29% or $23 million and deposits
increased 20% or $16 million over the second quarter of 2004.
Regal Bancorp, Inc. is the holding company of Regal Bank & Trust, which operates
community banking offices in Carroll and Baltimore Counties. Recognized as a
hometown, community banking leader that provides personal banking products, business
financial solutions and exemplary customer service. For more information, call 410-363-
1772 or visit www.regalbank.com.
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