Call reports 2015
ROYAL BUSINESS BANK — 2015
What ROYAL BUSINESS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 944,245,000 | 1,006,088,000 | 1,052,083,000 | 1,021,311,000 |
| Total loans | 785,157,000 | 836,993,000 | 905,683,000 | 864,731,000 |
| Allowance for loan losses | 8,619,000 | 8,627,000 | 8,883,000 | 10,023,000 |
| Securities available for sale | 18,360,000 | 17,129,000 | 19,538,000 | 20,416,000 |
| Securities held to maturity | 6,702,000 | 6,694,000 | 6,686,000 | 6,678,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 799,191,000 | 857,697,000 | 900,057,000 | 864,843,000 |
| Interest-bearing deposits | 680,752,000 | 729,970,000 | 765,346,000 | 738,770,000 |
| Noninterest-bearing deposits | 118,439,000 | 127,727,000 | 134,711,000 | 126,073,000 |
| Equity capital | 139,161,000 | 142,194,000 | 145,400,000 | 149,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 9,783,000 | 19,832,000 | 30,357,000 | 41,385,000 |
| Interest expense | 1,545,000 | 3,213,000 | 5,054,000 | 6,936,000 |
| Net interest income | 8,238,000 | 16,619,000 | 25,303,000 | 34,449,000 |
| Noninterest income | 2,019,000 | 3,010,000 | 4,126,000 | 7,405,000 |
| Noninterest expense | 5,122,000 | 9,828,000 | 14,671,000 | 19,709,000 |
| Provision for loan losses | 0 | 0 | 246,000 | 1,386,000 |
| Pretax income | 5,213,000 | 9,879,000 | 14,590,000 | 20,837,000 |
| Income tax | 2,098,000 | 3,990,000 | 5,931,000 | 8,527,000 |
| Net income | 3,115,000 | 5,889,000 | 8,659,000 | 12,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 134,715,000 | 137,852,000 | 141,030,000 | 145,271,000 |
| Total capital | 143,627,000 | 146,737,000 | 150,149,000 | 155,614,000 |
| Risk-weighted assets | 742,407,000 | 758,044,000 | 782,285,000 | 850,682,000 |