Call reports 2020
ROYAL BUSINESS BANK — 2020
What ROYAL BUSINESS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 3,127,315,000 | 3,134,954,000 | 3,357,964,000 | 3,349,367,000 |
| Total loans | 2,518,079,000 | 2,666,101,000 | 2,835,041,000 | 2,812,731,000 |
| Allowance for loan losses | 20,130,000 | 22,820,000 | 26,634,000 | 29,337,000 |
| Securities available for sale | 126,294,000 | 185,756,000 | 214,662,000 | 210,867,000 |
| Securities held to maturity | 7,825,000 | 7,615,000 | 7,569,000 | 7,174,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,457,188,000 | 2,452,704,000 | 2,628,116,000 | 2,644,042,000 |
| Interest-bearing deposits | 1,930,921,000 | 1,861,967,000 | 1,969,416,000 | 2,017,922,000 |
| Noninterest-bearing deposits | 526,268,000 | 590,737,000 | 658,700,000 | 626,120,000 |
| Equity capital | 501,145,000 | 509,874,000 | 519,983,000 | 532,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 34,002,000 | 68,077,000 | 103,176,000 | 139,009,000 |
| Interest expense | 8,478,000 | 15,634,000 | 21,603,000 | 26,688,000 |
| Net interest income | 25,524,000 | 52,443,000 | 81,573,000 | 112,321,000 |
| Noninterest income | 4,769,000 | 7,079,000 | 9,937,000 | 14,584,000 |
| Noninterest expense | 16,183,000 | 30,821,000 | 44,620,000 | 58,957,000 |
| Provision for loan losses | 1,945,000 | 4,954,000 | 8,815,000 | 11,822,000 |
| Pretax income | 12,165,000 | 23,905,000 | 38,284,000 | 56,335,000 |
| Income tax | 3,917,000 | 7,524,000 | 11,849,000 | 17,282,000 |
| Net income | 8,248,000 | 16,381,000 | 26,435,000 | 39,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 426,237,000 | 435,250,000 | 445,700,000 | 458,614,000 |
| Total capital | 447,346,000 | 459,099,000 | 473,463,000 | 488,888,000 |
| Risk-weighted assets | 2,153,959,000 | 2,280,963,000 | 2,457,964,000 | 2,421,463,000 |