Call reports 2014
ROYAL SAVINGS BANK — 2014
What ROYAL SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 122,814,000 | 126,141,000 | 136,304,000 | 125,912,000 |
| Total loans | 74,991,000 | 80,677,000 | 83,630,000 | 91,104,000 |
| Allowance for loan losses | 1,359,000 | 1,417,000 | 1,384,000 | 1,366,000 |
| Securities available for sale | 32,039,000 | 32,205,000 | 38,308,000 | 20,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,608,000 | 83,056,000 | 87,140,000 | 86,589,000 |
| Interest-bearing deposits | 71,538,000 | 73,576,000 | 76,765,000 | 75,508,000 |
| Noninterest-bearing deposits | 9,070,000 | 9,480,000 | 10,375,000 | 11,081,000 |
| Equity capital | 23,363,000 | 23,657,000 | 23,772,000 | 23,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,264,000 | 2,530,000 | 3,825,000 | 5,216,000 |
| Interest expense | 59,000 | 137,000 | 220,000 | 307,000 |
| Net interest income | 1,205,000 | 2,393,000 | 3,605,000 | 4,909,000 |
| Noninterest income | -55,000 | -4,000 | 43,000 | -11,000 |
| Noninterest expense | 902,000 | 1,900,000 | 2,821,000 | 3,846,000 |
| Provision for loan losses | 0 | 120,000 | 120,000 | 120,000 |
| Pretax income | 248,000 | 557,000 | 942,000 | 1,579,000 |
| Income tax | 87,000 | 220,000 | 372,000 | 626,000 |
| Net income | 161,000 | 337,000 | 570,000 | 953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,108,000 | 19,141,000 | 19,588,000 | 20,150,000 |
| Total capital | 19,999,000 | 20,073,000 | 20,567,000 | 21,173,000 |
| Risk-weighted assets | 70,782,000 | 74,112,000 | 77,913,000 | 81,469,000 |