Call reports 2020
ROYAL SAVINGS BANK — 2020
What ROYAL SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 392,311,000 | 431,361,000 | 511,957,000 | 516,448,000 |
| Total loans | 303,028,000 | 359,886,000 | 435,789,000 | 438,970,000 |
| Allowance for loan losses | 3,198,000 | 3,151,000 | 3,589,000 | 3,623,000 |
| Securities available for sale | 40,887,000 | 31,356,000 | 31,606,000 | 31,733,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,162,000 | 378,328,000 | 457,548,000 | 460,607,000 |
| Interest-bearing deposits | 292,142,000 | 311,283,000 | 388,683,000 | 388,603,000 |
| Noninterest-bearing deposits | 52,020,000 | 67,045,000 | 68,865,000 | 72,004,000 |
| Equity capital | 46,597,000 | 47,766,000 | 48,964,000 | 50,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,202,000 | 8,441,000 | 13,120,000 | 17,922,000 |
| Interest expense | 807,000 | 1,464,000 | 2,148,000 | 2,718,000 |
| Net interest income | 3,395,000 | 6,977,000 | 10,972,000 | 15,204,000 |
| Noninterest income | 133,000 | 265,000 | 425,000 | 575,000 |
| Noninterest expense | 2,461,000 | 4,843,000 | 7,283,000 | 9,527,000 |
| Provision for loan losses | 1,290,000 | 1,761,000 | 2,261,000 | 2,321,000 |
| Pretax income | -223,000 | 1,452,000 | 2,667,000 | 4,745,000 |
| Income tax | 158,000 | 636,000 | 938,000 | 1,575,000 |
| Net income | -381,000 | 816,000 | 1,729,000 | 3,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,297,000 | 41,068,000 | 42,566,000 | 44,629,000 |
| Total capital | 42,495,000 | 44,219,000 | 46,155,000 | 48,252,000 |
| Risk-weighted assets | 269,679,000 | 285,368,000 | 330,060,000 | 344,881,000 |