Call reports 2021
ROYAL SAVINGS BANK — 2021
What ROYAL SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 522,842,000 | 532,566,000 | 554,859,000 | 546,412,000 |
| Total loans | 444,586,000 | 464,224,000 | 470,228,000 | 464,811,000 |
| Allowance for loan losses | 3,738,000 | 3,858,000 | 3,800,000 | 3,719,000 |
| Securities available for sale | 27,134,000 | 31,889,000 | 31,834,000 | 31,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 469,585,000 | 472,989,000 | 493,616,000 | 488,836,000 |
| Interest-bearing deposits | 387,985,000 | 379,606,000 | 406,472,000 | 398,590,000 |
| Noninterest-bearing deposits | 81,600,000 | 93,383,000 | 87,144,000 | 90,246,000 |
| Equity capital | 51,739,000 | 53,210,000 | 54,875,000 | 56,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,710,000 | 9,588,000 | 14,865,000 | 19,930,000 |
| Interest expense | 455,000 | 837,000 | 1,157,000 | 1,458,000 |
| Net interest income | 4,255,000 | 8,751,000 | 13,708,000 | 18,472,000 |
| Noninterest income | 145,000 | 318,000 | 495,000 | 660,000 |
| Noninterest expense | 2,539,000 | 5,218,000 | 8,012,000 | 10,654,000 |
| Provision for loan losses | -300,000 | -60,000 | -185,000 | -328,000 |
| Pretax income | 2,161,000 | 3,911,000 | 6,376,000 | 8,806,000 |
| Income tax | 417,000 | 715,000 | 1,418,000 | 2,111,000 |
| Net income | 1,744,000 | 3,196,000 | 4,958,000 | 6,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,728,000 | 48,562,000 | 49,060,000 | 50,691,000 |
| Total capital | 50,466,000 | 52,420,000 | 52,860,000 | 54,410,000 |
| Risk-weighted assets | 353,971,000 | 373,571,000 | 379,012,000 | 378,090,000 |