Call reports 2010
ROYAL BANK AMERICA — 2010
What ROYAL BANK AMERICA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,132,241,000 | 1,087,358,000 | 1,031,199,000 | 973,058,000 |
| Total loans | 594,808,000 | 570,632,000 | 556,315,000 | 526,054,000 |
| Allowance for loan losses | 25,558,000 | 20,048,000 | 21,949,000 | 21,129,000 |
| Securities available for sale | 386,822,000 | 313,394,000 | 316,367,000 | 311,094,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 763,446,000 | 723,118,000 | 683,225,000 | 697,265,000 |
| Interest-bearing deposits | 706,609,000 | 664,092,000 | 621,030,000 | 641,042,000 |
| Noninterest-bearing deposits | 56,837,000 | 59,026,000 | 62,195,000 | 56,223,000 |
| Equity capital | 77,978,000 | 75,495,000 | 78,477,000 | 72,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 14,368,000 | 28,312,000 | 40,875,000 | 52,503,000 |
| Interest expense | 7,188,000 | 13,620,000 | 19,386,000 | 24,449,000 |
| Net interest income | 7,180,000 | 14,692,000 | 21,489,000 | 28,054,000 |
| Noninterest income | 1,156,000 | 3,404,000 | 4,668,000 | 6,680,000 |
| Noninterest expense | 6,837,000 | 16,617,000 | 25,944,000 | 36,185,000 |
| Provision for loan losses | 881,000 | 5,340,000 | 7,526,000 | 20,959,000 |
| Pretax income | 672,000 | -3,386,000 | -6,357,000 | -21,445,000 |
| Income tax | 35,000 | 106,000 | 162,000 | 198,000 |
| Net income | 195,000 | -4,193,000 | -6,873,000 | -21,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,324,000 | 97,418,000 | 99,545,000 | 94,794,000 |
| Total capital | 110,930,000 | 106,709,000 | 108,506,000 | 103,258,000 |
| Risk-weighted assets | 752,526,000 | 732,524,000 | 703,627,000 | 664,461,000 |
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