Call reports 2012
ROYAL BUSINESS BANK — 2012
What ROYAL BUSINESS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 540,102,000 | 604,538,000 | 626,654,000 | 576,447,000 |
| Total loans | 331,264,000 | 354,347,000 | 337,348,000 | 356,816,000 |
| Allowance for loan losses | 5,500,000 | 6,360,000 | 6,737,000 | 7,122,000 |
| Securities available for sale | 140,950,000 | 187,712,000 | 198,298,000 | 169,839,000 |
| Securities held to maturity | 6,127,000 | 7,140,000 | 7,133,000 | 7,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,932,000 | 507,248,000 | 526,401,000 | 475,693,000 |
| Interest-bearing deposits | 412,780,000 | 423,232,000 | 409,164,000 | 386,176,000 |
| Noninterest-bearing deposits | 51,152,000 | 84,016,000 | 117,237,000 | 89,517,000 |
| Equity capital | 72,647,000 | 93,922,000 | 95,873,000 | 97,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,793,000 | 11,861,000 | 18,183,000 | 24,249,000 |
| Interest expense | 1,124,000 | 2,309,000 | 3,443,000 | 4,410,000 |
| Net interest income | 4,669,000 | 9,552,000 | 14,740,000 | 19,839,000 |
| Noninterest income | 646,000 | 1,205,000 | 1,754,000 | 2,357,000 |
| Noninterest expense | 3,545,000 | 6,744,000 | 10,368,000 | 13,176,000 |
| Provision for loan losses | 440,000 | 1,300,000 | 1,673,000 | 2,058,000 |
| Pretax income | 1,330,000 | 2,713,000 | 4,610,000 | 7,124,000 |
| Income tax | 576,000 | 1,177,000 | 1,978,000 | 3,032,000 |
| Net income | 754,000 | 1,536,000 | 2,632,000 | 4,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,822,000 | 87,236,000 | 89,473,000 | 92,543,000 |
| Total capital | 70,474,000 | 92,105,000 | 94,332,000 | 97,652,000 |
| Risk-weighted assets | 369,805,000 | 386,733,000 | 385,405,000 | 405,523,000 |