Call reports 2021
ROYAL BUSINESS BANK — 2021
What ROYAL BUSINESS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 3,663,156,000 | 3,885,317,000 | 3,796,557,000 | 4,222,510,000 |
| Total loans | 2,808,885,000 | 2,827,494,000 | 3,024,601,000 | 3,129,375,000 |
| Allowance for loan losses | 30,795,000 | 31,352,000 | 32,231,000 | 32,912,000 |
| Securities available for sale | 281,581,000 | 339,568,000 | 344,999,000 | 368,260,000 |
| Securities held to maturity | 6,668,000 | 6,664,000 | 6,258,000 | 6,252,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,941,400,000 | 3,158,711,000 | 3,053,361,000 | 3,465,041,000 |
| Interest-bearing deposits | 2,033,854,000 | 2,129,884,000 | 2,143,041,000 | 2,094,047,000 |
| Noninterest-bearing deposits | 907,546,000 | 1,028,827,000 | 910,320,000 | 1,370,994,000 |
| Equity capital | 520,906,000 | 536,874,000 | 553,724,000 | 570,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 35,515,000 | 71,458,000 | 108,542,000 | 146,958,000 |
| Interest expense | 4,098,000 | 7,656,000 | 10,845,000 | 13,721,000 |
| Net interest income | 31,417,000 | 63,802,000 | 97,697,000 | 133,237,000 |
| Noninterest income | 6,069,000 | 10,575,000 | 16,727,000 | 20,018,000 |
| Noninterest expense | 15,678,000 | 30,205,000 | 44,804,000 | 57,992,000 |
| Provision for loan losses | 1,500,000 | 2,128,000 | 3,324,000 | 3,959,000 |
| Pretax income | 20,308,000 | 42,044,000 | 66,296,000 | 91,304,000 |
| Income tax | 6,309,000 | 12,710,000 | 19,675,000 | 27,195,000 |
| Net income | 13,999,000 | 29,334,000 | 46,621,000 | 64,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 448,066,000 | 463,835,000 | 481,515,000 | 499,559,000 |
| Total capital | 479,261,000 | 495,056,000 | 513,825,000 | 532,782,000 |
| Risk-weighted assets | 2,494,716,000 | 2,496,341,000 | 2,583,563,000 | 2,656,917,000 |