Call reports 2012
ROYAL BANK AMERICA — 2012
What ROYAL BANK AMERICA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 828,585,000 | 823,669,000 | 794,659,000 | 767,470,000 |
| Total loans | 408,907,000 | 375,952,000 | 345,815,000 | 345,784,000 |
| Allowance for loan losses | 16,454,000 | 17,495,000 | 17,417,000 | 17,261,000 |
| Securities available for sale | 331,102,000 | 353,721,000 | 355,829,000 | 348,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 582,370,000 | 588,511,000 | 577,394,000 | 561,070,000 |
| Interest-bearing deposits | 522,815,000 | 529,289,000 | 511,987,000 | 496,385,000 |
| Noninterest-bearing deposits | 59,555,000 | 59,222,000 | 65,407,000 | 64,685,000 |
| Equity capital | 62,915,000 | 62,379,000 | 58,757,000 | 49,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,800,000 | 17,220,000 | 24,976,000 | 31,961,000 |
| Interest expense | 2,803,000 | 5,315,000 | 7,690,000 | 9,881,000 |
| Net interest income | 5,997,000 | 11,905,000 | 17,286,000 | 22,080,000 |
| Noninterest income | 523,000 | 3,305,000 | 4,232,000 | -1,647,000 |
| Noninterest expense | 7,951,000 | 16,261,000 | 25,558,000 | 29,060,000 |
| Provision for loan losses | 84,000 | 1,599,000 | 3,360,000 | 5,997,000 |
| Pretax income | -1,520,000 | -2,645,000 | -7,169,000 | -14,248,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -892,000 | -1,711,000 | -6,410,000 | -13,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,803,000 | 85,690,000 | 81,175,000 | 74,103,000 |
| Total capital | 93,642,000 | 92,215,000 | 87,188,000 | 79,930,000 |
| Risk-weighted assets | 537,479,000 | 511,026,000 | 469,696,000 | 454,705,000 |
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