Call reports 2017
ROYAL BUSINESS BANK — 2017
What ROYAL BUSINESS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,502,567,000 | 1,528,408,000 | 1,637,286,000 | 1,688,470,000 |
| Total loans | 1,223,343,000 | 1,285,378,000 | 1,416,332,000 | 1,452,522,000 |
| Allowance for loan losses | 14,186,000 | 10,627,000 | 11,420,000 | 13,773,000 |
| Securities available for sale | 39,155,000 | 40,241,000 | 55,697,000 | 64,957,000 |
| Securities held to maturity | 6,206,000 | 6,199,000 | 5,191,000 | 10,009,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,264,496,000 | 1,293,101,000 | 1,369,219,000 | 1,386,302,000 |
| Interest-bearing deposits | 1,032,604,000 | 1,062,732,000 | 1,030,718,000 | 1,051,591,000 |
| Noninterest-bearing deposits | 231,892,000 | 230,370,000 | 338,501,000 | 334,711,000 |
| Equity capital | 216,002,000 | 225,342,000 | 257,720,000 | 263,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 16,453,000 | 33,974,000 | 51,584,000 | 73,655,000 |
| Interest expense | 2,341,000 | 4,920,000 | 7,629,000 | 10,309,000 |
| Net interest income | 14,112,000 | 29,054,000 | 43,955,000 | 63,346,000 |
| Noninterest income | 2,643,000 | 5,487,000 | 9,947,000 | 13,082,000 |
| Noninterest expense | 6,499,000 | 13,186,000 | 20,159,000 | 26,791,000 |
| Provision for loan losses | 0 | -4,188,000 | -3,488,000 | -1,053,000 |
| Pretax income | 10,256,000 | 25,543,000 | 37,231,000 | 50,690,000 |
| Income tax | 4,248,000 | 10,501,000 | 14,961,000 | 23,070,000 |
| Net income | 6,008,000 | 15,042,000 | 22,270,000 | 27,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 185,358,000 | 194,646,000 | 227,104,000 | 232,765,000 |
| Total capital | 200,126,000 | 205,790,000 | 239,013,000 | 246,820,000 |
| Risk-weighted assets | 1,181,055,000 | 1,173,737,000 | 1,252,817,000 | 1,336,051,000 |