Call reports 2003
ROYAL SAVINGS BANK — 2003
What ROYAL SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 86,007,000 | 86,912,000 | 88,378,000 | 89,540,000 |
| Total loans | 24,367,000 | 24,095,000 | 24,857,000 | 28,553,000 |
| Allowance for loan losses | 223,000 | 232,000 | 236,000 | 236,000 |
| Securities available for sale | 53,908,000 | 50,912,000 | 54,383,000 | 50,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,819,000 | 70,706,000 | 72,617,000 | 73,955,000 |
| Interest-bearing deposits | 69,016,000 | 69,937,000 | 70,823,000 | 71,670,000 |
| Noninterest-bearing deposits | 803,000 | 769,000 | 1,794,000 | 2,285,000 |
| Equity capital | 13,734,000 | 13,734,000 | 13,337,000 | 13,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,055,000 | 2,014,000 | 2,921,000 | 3,769,000 |
| Interest expense | 382,000 | 725,000 | 1,038,000 | 1,342,000 |
| Net interest income | 673,000 | 1,289,000 | 1,883,000 | 2,427,000 |
| Noninterest income | -16,000 | 17,000 | 98,000 | 170,000 |
| Noninterest expense | 519,000 | 1,092,000 | 1,613,000 | 2,231,000 |
| Provision for loan losses | 10,000 | 18,000 | 21,000 | 21,000 |
| Pretax income | 128,000 | 196,000 | 523,000 | 521,000 |
| Income tax | 28,000 | 56,000 | 225,000 | 220,000 |
| Net income | 100,000 | 140,000 | 298,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,899,000 | 12,939,000 | 13,097,000 | 13,099,000 |
| Total capital | 13,122,000 | 13,171,000 | 13,333,000 | 13,335,000 |
| Risk-weighted assets | 36,206,000 | 37,265,000 | 37,122,000 | 40,491,000 |