Call reports 2013
ROYAL BUSINESS BANK — 2013
What ROYAL BUSINESS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 568,776,000 | 712,249,000 | 729,468,000 | 717,559,000 |
| Total loans | 377,976,000 | 517,612,000 | 575,571,000 | 584,066,000 |
| Allowance for loan losses | 7,121,000 | 7,432,000 | 7,575,000 | 7,549,000 |
| Securities available for sale | 154,563,000 | 132,191,000 | 83,899,000 | 61,548,000 |
| Securities held to maturity | 7,117,000 | 6,758,000 | 6,750,000 | 6,742,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 465,286,000 | 593,057,000 | 611,448,000 | 592,561,000 |
| Interest-bearing deposits | 377,346,000 | 493,039,000 | 493,334,000 | 484,950,000 |
| Noninterest-bearing deposits | 87,940,000 | 100,018,000 | 118,114,000 | 107,611,000 |
| Equity capital | 99,089,000 | 109,069,000 | 111,557,000 | 113,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,063,000 | 13,090,000 | 22,567,000 | 31,070,000 |
| Interest expense | 787,000 | 1,611,000 | 2,493,000 | 3,367,000 |
| Net interest income | 5,276,000 | 11,479,000 | 20,074,000 | 27,703,000 |
| Noninterest income | 2,176,000 | 2,934,000 | 3,411,000 | 3,929,000 |
| Noninterest expense | 3,729,000 | 8,608,000 | 13,335,000 | 17,814,000 |
| Provision for loan losses | 793,000 | 1,469,000 | 1,613,000 | 1,613,000 |
| Pretax income | 2,930,000 | 4,357,000 | 8,640,000 | 12,384,000 |
| Income tax | 1,286,000 | 1,937,000 | 3,772,000 | 5,355,000 |
| Net income | 1,644,000 | 2,420,000 | 4,868,000 | 7,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,657,000 | 102,089,000 | 106,767,000 | 109,266,000 |
| Total capital | 101,953,000 | 108,970,000 | 114,274,000 | 116,717,000 |
| Risk-weighted assets | 420,782,000 | 548,973,000 | 599,647,000 | 595,246,000 |