Call reports 2025
ROYAL BUSINESS BANK — 2025
What ROYAL BUSINESS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 4,001,883,000 | 4,082,907,000 | 4,201,927,000 | 4,201,116,000 |
| Total loans | 3,143,718,000 | 3,234,695,000 | 3,303,334,000 | 3,316,368,000 |
| Allowance for loan losses | 51,932,000 | 51,014,000 | 44,892,000 | 43,888,000 |
| Securities available for sale | 378,188,000 | 413,142,000 | 410,631,000 | 407,204,000 |
| Securities held to maturity | 5,188,000 | 4,187,000 | 4,185,000 | 4,184,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,171,061,000 | 3,257,433,000 | 3,421,428,000 | 3,399,896,000 |
| Interest-bearing deposits | 2,614,422,000 | 2,644,346,000 | 2,816,009,000 | 2,823,860,000 |
| Noninterest-bearing deposits | 556,639,000 | 613,087,000 | 605,419,000 | 576,036,000 |
| Equity capital | 609,528,000 | 577,813,000 | 590,853,000 | 603,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 52,332,000 | 106,533,000 | 163,922,000 | 221,114,000 |
| Interest expense | 24,541,000 | 49,778,000 | 76,259,000 | 102,321,000 |
| Net interest income | 27,791,000 | 56,755,000 | 87,663,000 | 118,793,000 |
| Noninterest income | 2,396,000 | 11,364,000 | 14,192,000 | 17,046,000 |
| Noninterest expense | 18,286,000 | 38,486,000 | 57,036,000 | 75,717,000 |
| Provision for loan losses | 6,846,000 | 9,233,000 | 9,983,000 | 10,603,000 |
| Pretax income | 5,155,000 | 20,500,000 | 35,061,000 | 49,764,000 |
| Income tax | 1,454,000 | 5,720,000 | 9,084,000 | 12,543,000 |
| Net income | 3,701,000 | 14,780,000 | 25,977,000 | 37,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 553,969,000 | 521,087,000 | 532,671,000 | 544,295,000 |
| Total capital | 585,938,000 | 553,962,000 | 565,734,000 | 577,511,000 |
| Risk-weighted assets | 2,536,907,000 | 2,611,225,000 | 2,632,696,000 | 2,646,120,000 |