Call reports 2002
ROYAL SAVINGS BANK — 2002
What ROYAL SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 84,659,000 | 86,499,000 | 86,689,000 | 85,800,000 |
| Total loans | 26,144,000 | 25,849,000 | 25,423,000 | 24,753,000 |
| Allowance for loan losses | 266,000 | 197,000 | 205,000 | 213,000 |
| Securities available for sale | 50,479,000 | 49,703,000 | 54,357,000 | 50,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 70,000 | 70,000 |
| Total deposits | 69,604,000 | 70,670,000 | 70,498,000 | 69,662,000 |
| Interest-bearing deposits | 69,171,000 | 70,031,000 | 68,897,000 | 66,260,000 |
| Noninterest-bearing deposits | 433,000 | 639,000 | 1,601,000 | 3,402,000 |
| Equity capital | 12,643,000 | 13,302,000 | 13,659,000 | 13,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,197,000 | 2,352,000 | 3,642,000 | 4,743,000 |
| Interest expense | 493,000 | 964,000 | 1,424,000 | 1,842,000 |
| Net interest income | 704,000 | 1,388,000 | 2,218,000 | 2,901,000 |
| Noninterest income | 29,000 | 58,000 | 105,000 | 136,000 |
| Noninterest expense | 531,000 | 989,000 | 1,468,000 | 2,039,000 |
| Provision for loan losses | 3,000 | 10,000 | 18,000 | 26,000 |
| Pretax income | 204,000 | 458,000 | 887,000 | 1,022,000 |
| Income tax | 41,000 | 97,000 | 183,000 | 212,000 |
| Net income | 163,000 | 361,000 | 704,000 | 810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,150,000 | 12,349,000 | 12,691,000 | 12,799,000 |
| Total capital | 12,416,000 | 12,546,000 | 12,896,000 | 13,012,000 |
| Risk-weighted assets | 42,785,000 | 39,016,000 | 38,083,000 | 36,856,000 |