Call reports 2011
ROYAL SAVINGS BANK — 2011
What ROYAL SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 87,081,000 | 92,629,000 | 91,952,000 | 93,857,000 |
| Total loans | 58,101,000 | 56,539,000 | 55,455,000 | 49,750,000 |
| Allowance for loan losses | 3,075,000 | 2,400,000 | 2,378,000 | 2,179,000 |
| Securities available for sale | 19,864,000 | 26,345,000 | 23,085,000 | 31,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,730,000 | 71,379,000 | 71,109,000 | 66,442,000 |
| Interest-bearing deposits | 58,015,000 | 65,110,000 | 63,921,000 | 59,716,000 |
| Noninterest-bearing deposits | 6,715,000 | 6,269,000 | 7,188,000 | 6,726,000 |
| Equity capital | 13,647,000 | 15,460,000 | 15,970,000 | 16,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,028,000 | 2,064,000 | 3,107,000 | 4,211,000 |
| Interest expense | 113,000 | 213,000 | 292,000 | 361,000 |
| Net interest income | 915,000 | 1,851,000 | 2,815,000 | 3,850,000 |
| Noninterest income | -33,000 | 90,000 | 108,000 | -74,000 |
| Noninterest expense | 932,000 | 1,861,000 | 2,764,000 | 3,815,000 |
| Provision for loan losses | -300,000 | -299,000 | -299,000 | -724,000 |
| Pretax income | 250,000 | 379,000 | 458,000 | 685,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 250,000 | 379,000 | 458,000 | 685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,044,000 | 15,229,000 | 15,319,000 | 15,555,000 |
| Total capital | 14,766,000 | 15,987,000 | 16,058,000 | 16,257,000 |
| Risk-weighted assets | 55,446,000 | 58,983,000 | 57,450,000 | 54,698,000 |