Call reports 2010
ROYAL SAVINGS BANK — 2010
What ROYAL SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 82,068,000 | 91,433,000 | 90,274,000 | 89,118,000 |
| Total loans | 72,550,000 | 70,002,000 | 66,860,000 | 63,305,000 |
| Allowance for loan losses | 4,070,000 | 3,864,000 | 3,752,000 | 3,595,000 |
| Securities available for sale | 5,438,000 | 16,084,000 | 16,122,000 | 17,932,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,667,000 | 65,905,000 | 66,135,000 | 66,343,000 |
| Interest-bearing deposits | 58,797,000 | 58,960,000 | 58,784,000 | 57,317,000 |
| Noninterest-bearing deposits | 6,870,000 | 6,945,000 | 7,351,000 | 9,026,000 |
| Equity capital | 14,067,000 | 13,347,000 | 13,602,000 | 13,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,060,000 | 2,127,000 | 3,182,000 | 4,227,000 |
| Interest expense | 175,000 | 339,000 | 493,000 | 624,000 |
| Net interest income | 885,000 | 1,788,000 | 2,689,000 | 3,603,000 |
| Noninterest income | 65,000 | 153,000 | 240,000 | 294,000 |
| Noninterest expense | 889,000 | 1,924,000 | 2,774,000 | 3,505,000 |
| Provision for loan losses | 361,000 | 1,267,000 | 1,267,000 | 1,267,000 |
| Pretax income | -300,000 | -1,250,000 | -1,112,000 | -875,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -300,000 | -1,250,000 | -1,112,000 | -875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,129,000 | 13,259,000 | 13,476,000 | 13,765,000 |
| Total capital | 14,959,000 | 14,090,000 | 14,269,000 | 14,525,000 |
| Risk-weighted assets | 63,196,000 | 63,420,000 | 60,471,000 | 57,992,000 |