Call reports 2018
ROYAL BUSINESS BANK — 2018
What ROYAL BUSINESS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,712,483,000 | 1,813,520,000 | 2,133,405,000 | 2,970,076,000 |
| Total loans | 1,467,942,000 | 1,563,476,000 | 1,758,140,000 | 2,575,527,000 |
| Allowance for loan losses | 13,957,000 | 14,657,000 | 16,178,000 | 17,577,000 |
| Securities available for sale | 82,848,000 | 61,299,000 | 87,065,000 | 73,763,000 |
| Securities held to maturity | 9,998,000 | 9,986,000 | 9,974,000 | 9,961,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,428,074,000 | 1,478,074,000 | 1,618,934,000 | 2,195,274,000 |
| Interest-bearing deposits | 1,057,457,000 | 1,118,044,000 | 1,277,690,000 | 1,705,277,000 |
| Noninterest-bearing deposits | 370,617,000 | 360,030,000 | 341,243,000 | 489,997,000 |
| Equity capital | 272,156,000 | 282,305,000 | 291,573,000 | 432,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 20,112,000 | 42,332,000 | 66,744,000 | 101,869,000 |
| Interest expense | 2,820,000 | 6,357,000 | 11,288,000 | 19,562,000 |
| Net interest income | 17,292,000 | 35,975,000 | 55,456,000 | 82,307,000 |
| Noninterest income | 2,455,000 | 5,248,000 | 7,353,000 | 11,446,000 |
| Noninterest expense | 8,067,000 | 15,911,000 | 24,065,000 | 38,895,000 |
| Provision for loan losses | 184,000 | 884,000 | 2,579,000 | 4,469,000 |
| Pretax income | 11,496,000 | 24,428,000 | 36,165,000 | 50,394,000 |
| Income tax | 1,896,000 | 4,544,000 | 6,988,000 | 11,196,000 |
| Net income | 9,600,000 | 19,884,000 | 29,177,000 | 39,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 242,191,000 | 252,676,000 | 262,022,000 | 370,304,000 |
| Total capital | 256,724,000 | 267,817,000 | 278,750,000 | 388,569,000 |
| Risk-weighted assets | 1,366,720,000 | 1,399,186,000 | 1,506,154,000 | 2,037,949,000 |