Call reports 2016
ROYAL BUSINESS BANK — 2016
What ROYAL BUSINESS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,445,129,000 | 1,436,648,000 | 1,445,730,000 | 1,393,564,000 |
| Total loans | 1,247,130,000 | 1,269,831,000 | 1,231,044,000 | 1,196,515,000 |
| Allowance for loan losses | 10,798,000 | 12,149,000 | 13,399,000 | 14,162,000 |
| Securities available for sale | 31,082,000 | 30,045,000 | 30,800,000 | 39,277,000 |
| Securities held to maturity | 6,669,000 | 6,229,000 | 6,222,000 | 6,214,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,246,821,000 | 1,220,356,000 | 1,220,931,000 | 1,172,915,000 |
| Interest-bearing deposits | 1,077,624,000 | 1,043,261,000 | 1,030,506,000 | 978,491,000 |
| Noninterest-bearing deposits | 169,197,000 | 177,095,000 | 190,425,000 | 194,424,000 |
| Equity capital | 191,586,000 | 197,459,000 | 203,792,000 | 209,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 13,700,000 | 31,783,000 | 50,018,000 | 67,032,000 |
| Interest expense | 2,044,000 | 4,320,000 | 6,657,000 | 8,978,000 |
| Net interest income | 11,656,000 | 27,463,000 | 43,361,000 | 58,054,000 |
| Noninterest income | 1,493,000 | 3,993,000 | 6,770,000 | 9,601,000 |
| Noninterest expense | 7,631,000 | 15,208,000 | 22,193,000 | 27,747,000 |
| Provision for loan losses | 998,000 | 2,349,000 | 3,599,000 | 4,974,000 |
| Pretax income | 4,520,000 | 13,918,000 | 24,358,000 | 34,953,000 |
| Income tax | 1,837,000 | 5,697,000 | 10,045,000 | 14,470,000 |
| Net income | 2,683,000 | 8,221,000 | 14,313,000 | 20,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 161,695,000 | 167,598,000 | 173,941,000 | 178,645,000 |
| Total capital | 172,818,000 | 180,141,000 | 188,056,000 | 192,784,000 |
| Risk-weighted assets | 1,255,261,000 | 1,221,607,000 | 1,171,680,000 | 1,130,212,000 |