Call reports 2006
ROYAL SAVINGS BANK — 2006
What ROYAL SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 113,550,000 | 114,249,000 | 131,393,000 | 129,586,000 |
| Total loans | 74,182,000 | 77,800,000 | 76,234,000 | 70,870,000 |
| Allowance for loan losses | 376,000 | 400,000 | 430,000 | 460,000 |
| Securities available for sale | 23,551,000 | 21,518,000 | 19,056,000 | 17,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,745,000 | 87,226,000 | 105,344,000 | 103,436,000 |
| Interest-bearing deposits | 73,245,000 | 73,536,000 | 93,144,000 | 84,971,000 |
| Noninterest-bearing deposits | 12,500,000 | 13,690,000 | 12,200,000 | 18,465,000 |
| Equity capital | 22,432,000 | 23,322,000 | 23,543,000 | 23,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,398,000 | 3,308,000 | 5,029,000 | 6,995,000 |
| Interest expense | 381,000 | 813,000 | 1,424,000 | 2,217,000 |
| Net interest income | 1,017,000 | 2,495,000 | 3,605,000 | 4,778,000 |
| Noninterest income | 211,000 | 872,000 | 1,009,000 | 1,094,000 |
| Noninterest expense | 1,157,000 | 2,480,000 | 3,906,000 | 5,438,000 |
| Provision for loan losses | 30,000 | 67,000 | 97,000 | 127,000 |
| Pretax income | -3,000 | 776,000 | 567,000 | 263,000 |
| Income tax | -1,000 | 5,000 | -66,000 | -191,000 |
| Net income | -2,000 | 771,000 | 633,000 | 454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,744,000 | 23,715,000 | 23,761,000 | 23,778,000 |
| Total capital | 23,120,000 | 24,115,000 | 24,191,000 | 24,238,000 |
| Risk-weighted assets | 77,626,000 | 83,361,000 | 82,032,000 | 77,921,000 |