Call reports 2016
ROYAL SAVINGS BANK — 2016
What ROYAL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 204,845,000 | 301,190,000 | 301,549,000 | 309,047,000 |
| Total loans | 157,579,000 | 201,009,000 | 199,338,000 | 203,715,000 |
| Allowance for loan losses | 1,383,000 | 1,403,000 | 1,392,000 | 1,462,000 |
| Securities available for sale | 30,207,000 | 66,810,000 | 68,606,000 | 72,115,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,262,000 | 264,907,000 | 260,772,000 | 266,624,000 |
| Interest-bearing deposits | 144,055,000 | 213,476,000 | 221,984,000 | 228,248,000 |
| Noninterest-bearing deposits | 20,207,000 | 51,431,000 | 38,788,000 | 38,376,000 |
| Equity capital | 35,014,000 | 35,174,000 | 35,193,000 | 34,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,140,000 | 5,260,000 | 8,322,000 | 11,367,000 |
| Interest expense | 123,000 | 333,000 | 535,000 | 747,000 |
| Net interest income | 2,017,000 | 4,927,000 | 7,787,000 | 10,620,000 |
| Noninterest income | 84,000 | -181,000 | -76,000 | 215,000 |
| Noninterest expense | 1,460,000 | 3,379,000 | 5,700,000 | 7,729,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 75,000 |
| Pretax income | 641,000 | 1,367,000 | 1,981,000 | 3,031,000 |
| Income tax | 256,000 | 691,000 | 954,000 | 1,276,000 |
| Net income | 385,000 | 676,000 | 1,027,000 | 1,755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,781,000 | 24,763,000 | 24,949,000 | 25,859,000 |
| Total capital | 30,164,000 | 26,166,000 | 26,341,000 | 27,321,000 |
| Risk-weighted assets | 128,230,000 | 163,875,000 | 167,376,000 | 171,895,000 |