Call reports 2008
ROYAL SAVINGS BANK — 2008
What ROYAL SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 118,175,000 | 115,580,000 | 112,691,000 | 110,460,000 |
| Total loans | 95,602,000 | 92,847,000 | 94,849,000 | 93,975,000 |
| Allowance for loan losses | 1,903,000 | 2,060,000 | 1,757,000 | 2,420,000 |
| Securities available for sale | 9,219,000 | 7,747,000 | 4,925,000 | 4,238,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,478,000 | 90,416,000 | 82,023,000 | 77,064,000 |
| Interest-bearing deposits | 79,635,000 | 78,719,000 | 69,649,000 | 65,566,000 |
| Noninterest-bearing deposits | 11,843,000 | 11,697,000 | 12,374,000 | 11,498,000 |
| Equity capital | 22,272,000 | 22,425,000 | 22,556,000 | 22,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,762,000 | 3,380,000 | 4,977,000 | 6,488,000 |
| Interest expense | 612,000 | 1,119,000 | 1,529,000 | 1,854,000 |
| Net interest income | 1,150,000 | 2,261,000 | 3,448,000 | 4,634,000 |
| Noninterest income | 128,000 | 262,000 | 392,000 | 494,000 |
| Noninterest expense | 1,416,000 | 2,336,000 | 3,492,000 | 4,573,000 |
| Provision for loan losses | 1,101,000 | 1,384,000 | 1,534,000 | 2,285,000 |
| Pretax income | -1,239,000 | -1,172,000 | -1,161,000 | -1,705,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,239,000 | -1,172,000 | -1,161,000 | -1,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,089,000 | 22,264,000 | 22,398,000 | 21,966,000 |
| Total capital | 23,288,000 | 23,439,000 | 23,587,000 | 23,133,000 |
| Risk-weighted assets | 101,944,000 | 93,137,000 | 94,550,000 | 92,089,000 |