Call reports 2005
ROYAL SAVINGS BANK — 2005
What ROYAL SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 116,715,000 | 113,406,000 | 113,303,000 | 111,590,000 |
| Total loans | 48,466,000 | 52,790,000 | 61,608,000 | 68,945,000 |
| Allowance for loan losses | 256,000 | 286,000 | 316,000 | 346,000 |
| Securities available for sale | 35,246,000 | 33,242,000 | 31,916,000 | 28,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,686,000 | 88,264,000 | 88,127,000 | 86,415,000 |
| Interest-bearing deposits | 78,941,000 | 74,453,000 | 74,110,000 | 72,291,000 |
| Noninterest-bearing deposits | 12,745,000 | 13,811,000 | 14,017,000 | 14,124,000 |
| Equity capital | 22,030,000 | 22,313,000 | 22,295,000 | 22,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,172,000 | 2,389,000 | 3,643,000 | 4,999,000 |
| Interest expense | 336,000 | 678,000 | 1,027,000 | 1,398,000 |
| Net interest income | 836,000 | 1,711,000 | 2,616,000 | 3,601,000 |
| Noninterest income | 84,000 | 210,000 | 397,000 | 547,000 |
| Noninterest expense | 1,057,000 | 2,124,000 | 3,211,000 | 4,339,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 110,000 |
| Pretax income | -157,000 | -253,000 | -262,000 | -301,000 |
| Income tax | -53,000 | -101,000 | -145,000 | -158,000 |
| Net income | -104,000 | -152,000 | -117,000 | -143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,330,000 | 22,426,000 | 22,526,000 | 22,618,000 |
| Total capital | 22,586,000 | 22,712,000 | 22,842,000 | 22,964,000 |
| Risk-weighted assets | 57,031,000 | 63,455,000 | 68,660,000 | 75,321,000 |