Call reports 2004
ROYAL BANK AMERICA — 2004
What ROYAL BANK AMERICA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,139,570,000 | 1,183,134,000 | 1,178,260,000 | 1,199,264,000 |
| Total loans | 497,660,000 | 437,794,000 | 463,667,000 | 469,508,000 |
| Allowance for loan losses | 12,467,000 | 12,539,000 | 12,601,000 | 12,519,000 |
| Securities available for sale | 485,685,000 | 391,594,000 | 374,990,000 | 355,551,000 |
| Securities held to maturity | 21,434,000 | 176,528,000 | 186,379,000 | 212,227,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 797,620,000 | 787,114,000 | 759,980,000 | 788,777,000 |
| Interest-bearing deposits | 734,083,000 | 705,299,000 | 675,829,000 | 678,011,000 |
| Noninterest-bearing deposits | 63,537,000 | 81,815,000 | 84,151,000 | 110,766,000 |
| Equity capital | 112,833,000 | 109,059,000 | 114,194,000 | 114,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 17,356,000 | 33,847,000 | 50,359,000 | 67,304,000 |
| Interest expense | 6,457,000 | 13,699,000 | 20,492,000 | 27,076,000 |
| Net interest income | 10,899,000 | 20,148,000 | 29,867,000 | 40,228,000 |
| Noninterest income | 1,133,000 | 6,421,000 | 9,962,000 | 12,350,000 |
| Noninterest expense | 4,951,000 | 13,286,000 | 19,507,000 | 25,357,000 |
| Provision for loan losses | 1,000 | 5,000 | 6,000 | 6,000 |
| Pretax income | 7,211,000 | 13,414,000 | 20,733,000 | 27,935,000 |
| Income tax | 2,172,000 | 3,990,000 | 6,197,000 | 7,910,000 |
| Net income | 5,039,000 | 9,424,000 | 14,536,000 | 20,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,571,000 | 109,572,000 | 111,603,000 | 114,096,000 |
| Total capital | 115,796,000 | 120,087,000 | 122,225,000 | 124,847,000 |
| Risk-weighted assets | 815,752,000 | 839,175,000 | 847,770,000 | 858,288,000 |
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