Call reports 2011
ROYAL BUSINESS BANK — 2011
What ROYAL BUSINESS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 309,153,000 | 320,113,000 | 447,201,000 | 502,366,000 |
| Total loans | 213,726,000 | 229,506,000 | 311,749,000 | 333,302,000 |
| Allowance for loan losses | 3,926,000 | 4,520,000 | 4,698,000 | 5,060,000 |
| Securities available for sale | 59,863,000 | 44,053,000 | 48,397,000 | 88,962,000 |
| Securities held to maturity | 6,136,000 | 6,134,000 | 6,132,000 | 6,130,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,097,000 | 253,273,000 | 376,353,000 | 427,551,000 |
| Interest-bearing deposits | 223,604,000 | 226,289,000 | 313,385,000 | 370,866,000 |
| Noninterest-bearing deposits | 20,493,000 | 26,984,000 | 62,968,000 | 56,685,000 |
| Equity capital | 62,735,000 | 64,072,000 | 67,320,000 | 71,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,583,000 | 7,548,000 | 11,919,000 | 17,610,000 |
| Interest expense | 727,000 | 1,459,000 | 2,268,000 | 3,270,000 |
| Net interest income | 2,856,000 | 6,089,000 | 9,651,000 | 14,340,000 |
| Noninterest income | 292,000 | 555,000 | 3,492,000 | 3,817,000 |
| Noninterest expense | 2,333,000 | 4,603,000 | 8,770,000 | 12,432,000 |
| Provision for loan losses | 296,000 | 890,000 | 1,068,000 | 1,430,000 |
| Pretax income | 567,000 | 1,369,000 | 3,523,000 | 4,513,000 |
| Income tax | 1,000 | 1,000 | 1,000 | -3,440,000 |
| Net income | 566,000 | 1,368,000 | 3,522,000 | 7,953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,829,000 | 63,630,000 | 63,108,000 | 64,763,000 |
| Total capital | 65,676,000 | 66,679,000 | 67,043,000 | 69,007,000 |
| Risk-weighted assets | 225,697,000 | 241,343,000 | 313,065,000 | 337,619,000 |