Call reports 2018
ROYAL SAVINGS BANK — 2018
What ROYAL SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 429,887,000 | 411,031,000 | 406,247,000 | 406,773,000 |
| Total loans | 318,046,000 | 325,248,000 | 326,437,000 | 330,490,000 |
| Allowance for loan losses | 2,305,000 | 2,388,000 | 2,564,000 | 2,697,000 |
| Securities available for sale | 73,367,000 | 42,863,000 | 42,466,000 | 42,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,141,000 | 345,042,000 | 347,395,000 | 347,082,000 |
| Interest-bearing deposits | 321,398,000 | 298,807,000 | 300,732,000 | 298,922,000 |
| Noninterest-bearing deposits | 46,743,000 | 46,235,000 | 46,663,000 | 48,160,000 |
| Equity capital | 45,207,000 | 45,798,000 | 45,778,000 | 46,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,243,000 | 8,634,000 | 13,171,000 | 17,665,000 |
| Interest expense | 569,000 | 1,155,000 | 1,827,000 | 2,646,000 |
| Net interest income | 3,674,000 | 7,479,000 | 11,344,000 | 15,019,000 |
| Noninterest income | 185,000 | 365,000 | 576,000 | 795,000 |
| Noninterest expense | 2,416,000 | 4,634,000 | 6,931,000 | 9,122,000 |
| Provision for loan losses | 375,000 | 450,000 | 600,000 | 675,000 |
| Pretax income | 1,032,000 | 2,724,000 | 4,353,000 | 5,981,000 |
| Income tax | -7,000 | 324,000 | 817,000 | 1,281,000 |
| Net income | 1,039,000 | 2,400,000 | 3,536,000 | 4,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,031,000 | 37,208,000 | 38,029,000 | 38,794,000 |
| Total capital | 38,336,000 | 39,596,000 | 40,593,000 | 41,491,000 |
| Risk-weighted assets | 249,119,000 | 252,868,000 | 256,461,000 | 259,698,000 |