Call reports 2023
ROYAL BUSINESS BANK — 2023
What ROYAL BUSINESS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 4,106,226,000 | 4,072,704,000 | 4,066,628,000 | 4,019,691,000 |
| Total loans | 3,341,515,000 | 3,196,550,000 | 3,121,014,000 | 3,033,771,000 |
| Allowance for loan losses | 43,071,000 | 43,092,000 | 42,430,000 | 41,903,000 |
| Securities available for sale | 293,371,000 | 391,116,000 | 354,379,000 | 318,961,000 |
| Securities held to maturity | 5,723,000 | 5,718,000 | 5,214,000 | 5,209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,190,556,000 | 3,255,865,000 | 3,228,349,000 | 3,225,129,000 |
| Interest-bearing deposits | 2,478,886,000 | 2,589,670,000 | 2,581,679,000 | 2,635,139,000 |
| Noninterest-bearing deposits | 711,670,000 | 666,195,000 | 646,670,000 | 589,990,000 |
| Equity capital | 636,576,000 | 602,140,000 | 609,669,000 | 589,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 53,706,000 | 110,328,000 | 166,066,000 | 220,899,000 |
| Interest expense | 17,112,000 | 39,642,000 | 65,037,000 | 91,916,000 |
| Net interest income | 36,594,000 | 70,686,000 | 101,029,000 | 128,983,000 |
| Noninterest income | 2,593,000 | 5,310,000 | 8,283,000 | 15,890,000 |
| Noninterest expense | 18,763,000 | 36,800,000 | 53,369,000 | 69,656,000 |
| Provision for loan losses | 2,152,000 | 2,753,000 | 4,296,000 | 3,879,000 |
| Pretax income | 18,411,000 | 36,802,000 | 52,150,000 | 71,854,000 |
| Income tax | 5,445,000 | 10,896,000 | 15,503,000 | 21,331,000 |
| Net income | 12,966,000 | 25,906,000 | 36,647,000 | 50,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 582,520,000 | 550,777,000 | 561,799,000 | 535,952,000 |
| Total capital | 616,316,000 | 584,061,000 | 594,098,000 | 565,997,000 |
| Risk-weighted assets | 2,693,425,000 | 2,652,083,000 | 2,573,143,000 | 2,391,064,000 |