Call reports 2007
ROYAL SAVINGS BANK — 2007
What ROYAL SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 131,867,000 | 131,719,000 | 124,742,000 | 124,097,000 |
| Total loans | 79,498,000 | 84,192,000 | 90,383,000 | 95,523,000 |
| Allowance for loan losses | 496,000 | 667,000 | 691,000 | 802,000 |
| Securities available for sale | 16,486,000 | 15,595,000 | 14,061,000 | 13,628,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,576,000 | 106,184,000 | 98,921,000 | 92,938,000 |
| Interest-bearing deposits | 86,335,000 | 93,429,000 | 85,808,000 | 80,378,000 |
| Noninterest-bearing deposits | 19,241,000 | 12,755,000 | 13,113,000 | 12,560,000 |
| Equity capital | 23,663,000 | 23,112,000 | 23,162,000 | 23,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,851,000 | 3,794,000 | 5,756,000 | 7,655,000 |
| Interest expense | 786,000 | 1,571,000 | 2,369,000 | 3,034,000 |
| Net interest income | 1,065,000 | 2,223,000 | 3,387,000 | 4,621,000 |
| Noninterest income | 130,000 | 253,000 | 355,000 | 472,000 |
| Noninterest expense | 1,431,000 | 2,989,000 | 4,390,000 | 5,689,000 |
| Provision for loan losses | 36,000 | 207,000 | 231,000 | 351,000 |
| Pretax income | -272,000 | -784,000 | -943,000 | -1,011,000 |
| Income tax | -129,000 | -75,000 | -75,000 | -75,000 |
| Net income | -143,000 | -709,000 | -868,000 | -936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,818,000 | 23,255,000 | 23,222,000 | 23,311,000 |
| Total capital | 24,314,000 | 23,922,000 | 23,913,000 | 24,113,000 |
| Risk-weighted assets | 85,244,000 | 88,671,000 | 91,566,000 | 95,461,000 |