Call reports 2009
ROYAL BUSINESS BANK — 2009
What ROYAL BUSINESS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 99,671,000 | 117,091,000 | 158,720,000 | 179,326,000 |
| Total loans | 17,815,000 | 40,365,000 | 58,391,000 | 81,077,000 |
| Allowance for loan losses | 263,000 | 576,000 | 871,000 | 1,401,000 |
| Securities available for sale | 0 | 0 | 12,129,000 | 37,436,000 |
| Securities held to maturity | 24,179,000 | 30,239,000 | 31,213,000 | 31,187,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,510,000 | 50,017,000 | 92,526,000 | 114,464,000 |
| Interest-bearing deposits | 29,307,000 | 44,409,000 | 83,314,000 | 102,153,000 |
| Noninterest-bearing deposits | 2,203,000 | 5,608,000 | 9,212,000 | 12,312,000 |
| Equity capital | 67,850,000 | 66,544,000 | 65,605,000 | 64,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 361,000 | 1,036,000 | 2,117,000 | 3,614,000 |
| Interest expense | 123,000 | 319,000 | 628,000 | 1,053,000 |
| Net interest income | 238,000 | 717,000 | 1,489,000 | 2,561,000 |
| Noninterest income | 26,000 | 60,000 | 125,000 | 238,000 |
| Noninterest expense | 1,312,000 | 3,040,000 | 4,966,000 | 6,971,000 |
| Provision for loan losses | 192,000 | 505,000 | 800,000 | 1,330,000 |
| Pretax income | -1,240,000 | -2,768,000 | -4,152,000 | -5,502,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,240,000 | -2,768,000 | -4,152,000 | -5,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,850,000 | 66,544,000 | 65,493,000 | 64,363,000 |
| Total capital | 68,181,000 | 67,315,000 | 66,532,000 | 65,758,000 |
| Risk-weighted assets | 40,003,000 | 64,160,000 | 87,473,000 | 111,355,000 |
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