Call reports 2024
ROYAL BUSINESS BANK — 2024
What ROYAL BUSINESS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 3,874,850,000 | 3,864,494,000 | 3,986,443,000 | 3,985,037,000 |
| Total loans | 3,031,263,000 | 3,050,859,000 | 3,092,708,000 | 3,064,480,000 |
| Allowance for loan losses | 41,688,000 | 41,741,000 | 43,685,000 | 47,729,000 |
| Securities available for sale | 335,194,000 | 325,581,000 | 305,665,000 | 420,190,000 |
| Securities held to maturity | 5,205,000 | 5,200,000 | 5,196,000 | 5,191,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,072,206,000 | 3,056,529,000 | 3,128,662,000 | 3,117,791,000 |
| Interest-bearing deposits | 2,488,813,000 | 2,480,634,000 | 2,548,562,000 | 2,520,777,000 |
| Noninterest-bearing deposits | 583,393,000 | 575,895,000 | 580,100,000 | 597,014,000 |
| Equity capital | 598,074,000 | 607,357,000 | 600,757,000 | 602,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 54,794,000 | 107,681,000 | 162,094,000 | 216,645,000 |
| Interest expense | 28,239,000 | 55,481,000 | 83,681,000 | 110,598,000 |
| Net interest income | 26,555,000 | 52,200,000 | 78,413,000 | 106,047,000 |
| Noninterest income | 3,637,000 | 7,086,000 | 12,875,000 | 15,666,000 |
| Noninterest expense | 16,837,000 | 33,749,000 | 50,987,000 | 68,371,000 |
| Provision for loan losses | -31,000 | 573,000 | 3,717,000 | 9,767,000 |
| Pretax income | 13,355,000 | 24,980,000 | 36,445,000 | 43,486,000 |
| Income tax | 3,877,000 | 6,974,000 | 10,129,000 | 11,411,000 |
| Net income | 9,478,000 | 18,006,000 | 26,316,000 | 32,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 545,686,000 | 555,031,000 | 543,745,000 | 549,889,000 |
| Total capital | 576,015,000 | 585,519,000 | 575,030,000 | 581,720,000 |
| Risk-weighted assets | 2,414,289,000 | 2,427,156,000 | 2,489,624,000 | 2,529,850,000 |