Call reports 2013
ROYAL SAVINGS BANK — 2013
What ROYAL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 114,283,000 | 102,879,000 | 111,807,000 | 118,916,000 |
| Total loans | 68,828,000 | 70,455,000 | 72,052,000 | 75,541,000 |
| Allowance for loan losses | 1,596,000 | 1,509,000 | 1,345,000 | 1,361,000 |
| Securities available for sale | 34,544,000 | 22,595,000 | 24,353,000 | 29,763,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,141,000 | 70,194,000 | 74,660,000 | 76,419,000 |
| Interest-bearing deposits | 63,063,000 | 62,632,000 | 66,102,000 | 67,194,000 |
| Noninterest-bearing deposits | 7,078,000 | 7,562,000 | 8,558,000 | 9,225,000 |
| Equity capital | 17,245,000 | 17,185,000 | 22,864,000 | 22,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,274,000 | 2,409,000 | 3,570,000 | 4,770,000 |
| Interest expense | 45,000 | 86,000 | 128,000 | 183,000 |
| Net interest income | 1,229,000 | 2,323,000 | 3,442,000 | 4,587,000 |
| Noninterest income | -137,000 | -144,000 | -70,000 | -4,000 |
| Noninterest expense | 816,000 | 1,664,000 | 2,569,000 | 3,429,000 |
| Provision for loan losses | 70,000 | 70,000 | -300,000 | -285,000 |
| Pretax income | 206,000 | 712,000 | 1,370,000 | 1,706,000 |
| Income tax | 4,000 | 4,000 | -5,170,000 | -5,059,000 |
| Net income | 202,000 | 708,000 | 6,540,000 | 6,765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,333,000 | 16,845,000 | 18,431,000 | 18,777,000 |
| Total capital | 17,174,000 | 17,669,000 | 19,273,000 | 19,668,000 |
| Risk-weighted assets | 66,488,000 | 65,214,000 | 66,894,000 | 70,818,000 |