Call reports 2001
ROYAL SAVINGS BANK — 2001
What ROYAL SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 79,282,000 | 80,118,000 | 83,506,000 | 82,625,000 |
| Total loans | 24,504,000 | 24,955,000 | 24,818,000 | 25,392,000 |
| Allowance for loan losses | 238,000 | 247,000 | 256,000 | 263,000 |
| Securities available for sale | 42,603,000 | 45,442,000 | 48,760,000 | 50,929,000 |
| Securities held to maturity | 3,652,000 | 1,000,000 | 1,000,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,617,000 | 67,246,000 | 67,825,000 | 67,543,000 |
| Interest-bearing deposits | 66,267,000 | 66,680,000 | 67,183,000 | 67,070,000 |
| Noninterest-bearing deposits | 350,000 | 566,000 | 642,000 | 473,000 |
| Equity capital | 11,994,000 | 12,282,000 | 12,938,000 | 12,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,260,000 | 2,507,000 | 3,722,000 | 4,891,000 |
| Interest expense | 642,000 | 1,277,000 | 1,879,000 | 2,434,000 |
| Net interest income | 618,000 | 1,230,000 | 1,843,000 | 2,457,000 |
| Noninterest income | 27,000 | 56,000 | 87,000 | 116,000 |
| Noninterest expense | 442,000 | 950,000 | 1,363,000 | 1,821,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 34,000 |
| Pretax income | 195,000 | 345,000 | 567,000 | 745,000 |
| Income tax | 39,000 | 72,000 | 116,000 | 152,000 |
| Net income | 156,000 | 273,000 | 451,000 | 593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,550,000 | 11,667,000 | 11,846,000 | 11,987,000 |
| Total capital | 11,788,000 | 11,914,000 | 12,102,000 | 12,250,000 |
| Risk-weighted assets | 25,774,000 | 26,362,000 | 32,731,000 | 42,299,000 |