Call reports 2009
ROYAL BANK AMERICA — 2009
What ROYAL BANK AMERICA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,142,001,000 | 1,201,523,000 | 1,273,397,000 | 1,206,347,000 |
| Total loans | 649,074,000 | 658,172,000 | 639,320,000 | 622,309,000 |
| Allowance for loan losses | 26,077,000 | 26,206,000 | 23,139,000 | 28,242,000 |
| Securities available for sale | 329,656,000 | 362,661,000 | 445,037,000 | 428,750,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 735,156,000 | 793,715,000 | 848,508,000 | 822,418,000 |
| Interest-bearing deposits | 678,704,000 | 728,351,000 | 785,501,000 | 763,163,000 |
| Noninterest-bearing deposits | 56,452,000 | 65,364,000 | 63,007,000 | 59,255,000 |
| Equity capital | 72,036,000 | 72,939,000 | 85,240,000 | 75,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 14,676,000 | 29,747,000 | 45,083,000 | 60,095,000 |
| Interest expense | 8,368,000 | 17,060,000 | 25,753,000 | 33,999,000 |
| Net interest income | 6,308,000 | 12,687,000 | 19,330,000 | 26,096,000 |
| Noninterest income | 838,000 | 2,283,000 | 3,501,000 | 6,359,000 |
| Noninterest expense | 6,293,000 | 13,507,000 | 22,322,000 | 33,780,000 |
| Provision for loan losses | 2,758,000 | 8,666,000 | 11,540,000 | 18,639,000 |
| Pretax income | -1,771,000 | -10,942,000 | -14,720,000 | -24,013,000 |
| Income tax | 277,000 | 374,000 | 680,000 | 434,000 |
| Net income | -2,264,000 | -11,796,000 | -16,161,000 | -25,849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,888,000 | 104,469,000 | 109,815,000 | 100,772,000 |
| Total capital | 126,087,000 | 116,583,000 | 121,219,000 | 111,408,000 |
| Risk-weighted assets | 962,076,000 | 955,024,000 | 900,624,000 | 833,283,000 |
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