Call reports 2010
ROYAL BUSINESS BANK — 2010
What ROYAL BUSINESS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 187,428,000 | 258,574,000 | 290,533,000 | 300,512,000 |
| Total loans | 110,211,000 | 174,105,000 | 178,207,000 | 216,916,000 |
| Allowance for loan losses | 1,886,000 | 2,727,000 | 3,398,000 | 3,630,000 |
| Securities available for sale | 39,047,000 | 46,653,000 | 67,331,000 | 48,884,000 |
| Securities held to maturity | 0 | 2,804,000 | 4,973,000 | 4,970,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,602,000 | 193,354,000 | 225,706,000 | 236,443,000 |
| Interest-bearing deposits | 105,414,000 | 176,040,000 | 206,140,000 | 210,706,000 |
| Noninterest-bearing deposits | 17,188,000 | 17,313,000 | 19,566,000 | 25,737,000 |
| Equity capital | 63,916,000 | 63,792,000 | 63,280,000 | 62,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,836,000 | 4,197,000 | 7,058,000 | 10,484,000 |
| Interest expense | 376,000 | 925,000 | 1,655,000 | 2,387,000 |
| Net interest income | 1,460,000 | 3,272,000 | 5,403,000 | 8,097,000 |
| Noninterest income | 107,000 | 258,000 | 385,000 | 576,000 |
| Noninterest expense | 2,213,000 | 4,447,000 | 6,809,000 | 9,204,000 |
| Provision for loan losses | 485,000 | 1,325,000 | 1,997,000 | 3,469,000 |
| Pretax income | -938,000 | -2,049,000 | -2,825,000 | -3,742,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -939,000 | -2,050,000 | -2,826,000 | -3,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,737,000 | 63,068,000 | 62,736,000 | 62,265,000 |
| Total capital | 65,464,000 | 65,275,000 | 65,104,000 | 65,071,000 |
| Risk-weighted assets | 137,566,000 | 175,358,000 | 187,696,000 | 222,852,000 |