Call reports 2019
ROYAL BUSINESS BANK — 2019
What ROYAL BUSINESS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 2,977,247,000 | 2,798,323,000 | 2,815,705,000 | 2,783,284,000 |
| Total loans | 2,494,827,000 | 2,361,020,000 | 2,431,474,000 | 2,371,123,000 |
| Allowance for loan losses | 18,236,000 | 18,561,000 | 19,387,000 | 18,815,000 |
| Securities available for sale | 58,536,000 | 71,629,000 | 72,923,000 | 126,069,000 |
| Securities held to maturity | 9,449,000 | 8,733,000 | 8,724,000 | 8,332,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,234,986,000 | 2,280,655,000 | 2,293,238,000 | 2,284,743,000 |
| Interest-bearing deposits | 1,765,386,000 | 1,799,704,000 | 1,805,782,000 | 1,790,175,000 |
| Noninterest-bearing deposits | 469,600,000 | 480,951,000 | 487,456,000 | 494,569,000 |
| Equity capital | 445,818,000 | 458,366,000 | 468,451,000 | 480,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 37,167,000 | 73,081,000 | 107,720,000 | 141,601,000 |
| Interest expense | 9,360,000 | 19,058,000 | 28,294,000 | 37,164,000 |
| Net interest income | 27,807,000 | 54,023,000 | 79,426,000 | 104,437,000 |
| Noninterest income | 4,226,000 | 9,976,000 | 12,978,000 | 19,054,000 |
| Noninterest expense | 15,226,000 | 30,000,000 | 43,636,000 | 56,897,000 |
| Provision for loan losses | 550,000 | 907,000 | 1,731,000 | 2,390,000 |
| Pretax income | 16,404,000 | 33,239,000 | 47,184,000 | 64,211,000 |
| Income tax | 4,532,000 | 9,638,000 | 13,986,000 | 18,886,000 |
| Net income | 11,872,000 | 23,601,000 | 33,198,000 | 45,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 382,683,000 | 394,917,000 | 404,795,000 | 417,037,000 |
| Total capital | 401,558,000 | 414,099,000 | 424,800,000 | 436,678,000 |
| Risk-weighted assets | 1,973,519,000 | 1,944,323,000 | 1,971,889,000 | 1,997,903,000 |