Call reports 2017
ROYAL SAVINGS BANK — 2017
What ROYAL SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 313,660,000 | 314,540,000 | 323,671,000 | 457,227,000 |
| Total loans | 207,875,000 | 247,325,000 | 263,556,000 | 265,574,000 |
| Allowance for loan losses | 1,460,000 | 1,674,000 | 1,831,000 | 1,929,000 |
| Securities available for sale | 68,155,000 | 26,045,000 | 25,938,000 | 24,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,172,000 | 269,800,000 | 276,417,000 | 408,908,000 |
| Interest-bearing deposits | 239,417,000 | 228,444,000 | 237,289,000 | 366,720,000 |
| Noninterest-bearing deposits | 38,755,000 | 41,356,000 | 39,128,000 | 42,188,000 |
| Equity capital | 34,854,000 | 36,023,000 | 36,965,000 | 45,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,041,000 | 6,266,000 | 9,759,000 | 13,395,000 |
| Interest expense | 242,000 | 548,000 | 939,000 | 1,420,000 |
| Net interest income | 2,799,000 | 5,718,000 | 8,820,000 | 11,975,000 |
| Noninterest income | 28,000 | 179,000 | 371,000 | 554,000 |
| Noninterest expense | 2,155,000 | 4,256,000 | 6,432,000 | 8,403,000 |
| Provision for loan losses | 0 | 160,000 | 340,000 | 430,000 |
| Pretax income | 784,000 | 1,336,000 | 2,274,000 | 3,551,000 |
| Income tax | 338,000 | 60,000 | -400,000 | 1,253,000 |
| Net income | 446,000 | 1,276,000 | 2,674,000 | 2,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,258,000 | 26,570,000 | 27,809,000 | 36,443,000 |
| Total capital | 27,718,000 | 28,244,000 | 29,640,000 | 38,372,000 |
| Risk-weighted assets | 176,840,000 | 189,397,000 | 199,718,000 | 205,500,000 |