Call reports 2019
ROYAL SAVINGS BANK — 2019
What ROYAL SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 404,921,000 | 402,525,000 | 394,528,000 | 404,765,000 |
| Total loans | 326,052,000 | 321,980,000 | 304,805,000 | 310,157,000 |
| Allowance for loan losses | 2,695,000 | 2,654,000 | 2,618,000 | 2,528,000 |
| Securities available for sale | 38,709,000 | 39,310,000 | 39,776,000 | 39,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,501,000 | 354,252,000 | 345,519,000 | 355,868,000 |
| Interest-bearing deposits | 310,537,000 | 304,275,000 | 296,127,000 | 307,522,000 |
| Noninterest-bearing deposits | 45,964,000 | 49,977,000 | 49,392,000 | 48,346,000 |
| Equity capital | 47,167,000 | 47,137,000 | 47,230,000 | 47,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,539,000 | 9,167,000 | 13,708,000 | 18,106,000 |
| Interest expense | 949,000 | 1,973,000 | 2,961,000 | 3,864,000 |
| Net interest income | 3,590,000 | 7,194,000 | 10,747,000 | 14,242,000 |
| Noninterest income | 177,000 | 350,000 | 515,000 | 676,000 |
| Noninterest expense | 2,358,000 | 4,556,000 | 6,902,000 | 9,126,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,409,000 | 2,988,000 | 4,360,000 | 5,792,000 |
| Income tax | 402,000 | 952,000 | 1,373,000 | 1,829,000 |
| Net income | 1,007,000 | 2,036,000 | 2,987,000 | 3,963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,362,000 | 39,324,000 | 39,705,000 | 40,338,000 |
| Total capital | 42,057,000 | 41,978,000 | 42,323,000 | 42,866,000 |
| Risk-weighted assets | 256,075,000 | 261,404,000 | 254,286,000 | 255,685,000 |