Call reports 2004
ROYAL SAVINGS BANK — 2004
What ROYAL SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 91,836,000 | 92,805,000 | 102,072,000 | 135,433,000 |
| Total loans | 30,046,000 | 34,933,000 | 36,616,000 | 41,312,000 |
| Allowance for loan losses | 236,000 | 236,000 | 236,000 | 236,000 |
| Securities available for sale | 46,411,000 | 44,526,000 | 38,186,000 | 34,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,945,000 | 77,801,000 | 86,892,000 | 120,341,000 |
| Interest-bearing deposits | 73,602,000 | 75,433,000 | 83,470,000 | 81,849,000 |
| Noninterest-bearing deposits | 2,343,000 | 2,368,000 | 3,422,000 | 38,492,000 |
| Equity capital | 13,481,000 | 12,698,000 | 12,863,000 | 12,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 856,000 | 1,693,000 | 2,561,000 | 3,534,000 |
| Interest expense | 295,000 | 589,000 | 899,000 | 1,233,000 |
| Net interest income | 561,000 | 1,104,000 | 1,662,000 | 2,301,000 |
| Noninterest income | 59,000 | 235,000 | 311,000 | 399,000 |
| Noninterest expense | 639,000 | 1,635,000 | 2,502,000 | 3,271,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -19,000 | -296,000 | -353,000 | -395,000 |
| Income tax | -12,000 | -109,000 | -127,000 | -140,000 |
| Net income | -7,000 | -187,000 | -226,000 | -255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,092,000 | 12,912,000 | 12,874,000 | 12,845,000 |
| Total capital | 13,328,000 | 13,148,000 | 13,110,000 | 13,081,000 |
| Risk-weighted assets | 41,585,000 | 46,862,000 | 44,971,000 | 55,998,000 |