Call reports 2009
ROYAL SAVINGS BANK — 2009
What ROYAL SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 100,488,000 | 94,194,000 | 90,588,000 | 90,218,000 |
| Total loans | 91,243,000 | 87,450,000 | 83,436,000 | 77,019,000 |
| Allowance for loan losses | 4,129,000 | 5,225,000 | 5,167,000 | 4,443,000 |
| Securities available for sale | 4,012,000 | 3,996,000 | 4,025,000 | 9,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,502,000 | 72,552,000 | 70,958,000 | 67,070,000 |
| Interest-bearing deposits | 65,434,000 | 64,726,000 | 63,272,000 | 59,933,000 |
| Noninterest-bearing deposits | 7,068,000 | 7,826,000 | 7,686,000 | 7,137,000 |
| Equity capital | 24,120,000 | 15,334,000 | 15,649,000 | 14,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,249,000 | 2,444,000 | 3,760,000 | 4,852,000 |
| Interest expense | 265,000 | 513,000 | 756,000 | 959,000 |
| Net interest income | 984,000 | 1,931,000 | 3,004,000 | 3,893,000 |
| Noninterest income | 80,000 | 202,000 | 221,000 | 359,000 |
| Noninterest expense | 1,271,000 | 3,639,000 | 4,561,000 | 5,570,000 |
| Provision for loan losses | 1,939,000 | 9,362,000 | 9,362,000 | 10,748,000 |
| Pretax income | -2,093,000 | -10,815,000 | -10,645,000 | -12,013,000 |
| Income tax | 0 | 151,000 | 151,000 | 151,000 |
| Net income | -2,093,000 | -10,966,000 | -10,796,000 | -12,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,965,000 | 15,336,000 | 15,632,000 | 14,346,000 |
| Total capital | 25,031,000 | 16,339,000 | 16,586,000 | 15,236,000 |
| Risk-weighted assets | 82,251,000 | 75,979,000 | 72,105,000 | 67,639,000 |
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