Call reports 2015
ROYAL SAVINGS BANK — 2015
What ROYAL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 116,115,000 | 116,330,000 | 205,047,000 | 202,282,000 |
| Total loans | 87,852,000 | 89,507,000 | 145,963,000 | 151,596,000 |
| Allowance for loan losses | 1,425,000 | 1,432,000 | 1,376,000 | 1,394,000 |
| Securities available for sale | 14,700,000 | 14,534,000 | 24,782,000 | 29,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,754,000 | 92,089,000 | 171,789,000 | 166,790,000 |
| Interest-bearing deposits | 76,301,000 | 79,923,000 | 153,474,000 | 147,639,000 |
| Noninterest-bearing deposits | 11,453,000 | 12,166,000 | 18,315,000 | 19,151,000 |
| Equity capital | 23,894,000 | 23,572,000 | 32,639,000 | 35,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,306,000 | 2,558,000 | 3,885,000 | 6,004,000 |
| Interest expense | 84,000 | 164,000 | 253,000 | 383,000 |
| Net interest income | 1,222,000 | 2,394,000 | 3,632,000 | 5,621,000 |
| Noninterest income | 67,000 | 741,000 | 5,632,000 | 6,096,000 |
| Noninterest expense | 997,000 | 1,993,000 | 3,068,000 | 4,490,000 |
| Provision for loan losses | 90,000 | 90,000 | -40,000 | -40,000 |
| Pretax income | 285,000 | 1,135,000 | 6,319,000 | 7,351,000 |
| Income tax | 115,000 | 457,000 | 694,000 | 937,000 |
| Net income | 170,000 | 678,000 | 5,625,000 | 6,414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,687,000 | 19,784,000 | 28,045,000 | 30,757,000 |
| Total capital | 20,718,000 | 20,849,000 | 29,421,000 | 32,151,000 |
| Risk-weighted assets | 79,696,000 | 82,617,000 | 122,792,000 | 124,109,000 |