Call reports 2014
ROYAL BUSINESS BANK — 2014
What ROYAL BUSINESS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 756,009,000 | 807,179,000 | 849,603,000 | 920,715,000 |
| Total loans | 627,324,000 | 683,638,000 | 760,272,000 | 751,837,000 |
| Allowance for loan losses | 7,549,000 | 7,783,000 | 9,063,000 | 8,848,000 |
| Securities available for sale | 56,718,000 | 29,111,000 | 25,831,000 | 24,931,000 |
| Securities held to maturity | 6,734,000 | 6,726,000 | 6,718,000 | 6,710,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 629,167,000 | 672,091,000 | 711,526,000 | 779,243,000 |
| Interest-bearing deposits | 508,606,000 | 557,316,000 | 587,633,000 | 662,018,000 |
| Noninterest-bearing deposits | 120,561,000 | 114,775,000 | 123,893,000 | 117,225,000 |
| Equity capital | 116,701,000 | 129,524,000 | 132,170,000 | 135,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 8,275,000 | 17,095,000 | 26,491,000 | 36,950,000 |
| Interest expense | 915,000 | 1,928,000 | 3,150,000 | 4,522,000 |
| Net interest income | 7,360,000 | 15,167,000 | 23,341,000 | 32,428,000 |
| Noninterest income | 1,218,000 | 2,695,000 | 4,086,000 | 5,506,000 |
| Noninterest expense | 4,395,000 | 9,542,000 | 14,088,000 | 19,855,000 |
| Provision for loan losses | 0 | 234,000 | 1,553,000 | 1,446,000 |
| Pretax income | 4,183,000 | 8,353,000 | 12,054,000 | 16,901,000 |
| Income tax | 1,766,000 | 3,547,000 | 4,920,000 | 6,864,000 |
| Net income | 2,417,000 | 4,806,000 | 7,134,000 | 10,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,167,000 | 125,009,000 | 127,803,000 | 131,123,000 |
| Total capital | 120,079,000 | 133,396,000 | 136,654,000 | 140,076,000 |
| Risk-weighted assets | 632,649,000 | 670,856,000 | 707,225,000 | 715,935,000 |