Call reports 2012
ROYAL SAVINGS BANK — 2012
What ROYAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 107,688,000 | 114,995,000 | 118,064,000 | 113,783,000 |
| Total loans | 51,273,000 | 49,930,000 | 53,649,000 | 67,920,000 |
| Allowance for loan losses | 2,025,000 | 2,012,000 | 1,780,000 | 1,832,000 |
| Securities available for sale | 45,528,000 | 54,796,000 | 53,868,000 | 34,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,313,000 | 70,544,000 | 70,090,000 | 71,182,000 |
| Interest-bearing deposits | 62,082,000 | 63,651,000 | 62,802,000 | 63,045,000 |
| Noninterest-bearing deposits | 7,231,000 | 6,893,000 | 7,288,000 | 8,137,000 |
| Equity capital | 15,837,000 | 16,377,000 | 16,833,000 | 16,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 998,000 | 2,017,000 | 3,036,000 | 4,118,000 |
| Interest expense | 64,000 | 126,000 | 178,000 | 229,000 |
| Net interest income | 934,000 | 1,891,000 | 2,858,000 | 3,889,000 |
| Noninterest income | -281,000 | -204,000 | -105,000 | -51,000 |
| Noninterest expense | 1,035,000 | 2,037,000 | 2,925,000 | 3,916,000 |
| Provision for loan losses | 0 | 70,000 | 70,000 | 145,000 |
| Pretax income | -382,000 | 62,000 | 240,000 | 550,000 |
| Income tax | 0 | 0 | 8,000 | 12,000 |
| Net income | -382,000 | 62,000 | 232,000 | 538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,183,000 | 15,637,000 | 15,816,000 | 16,126,000 |
| Total capital | 15,942,000 | 16,422,000 | 16,924,000 | 16,957,000 |
| Risk-weighted assets | 59,416,000 | 61,547,000 | 87,928,000 | 65,468,000 |