Call reports 2013
ROYAL BANK AMERICA — 2013
What ROYAL BANK AMERICA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 744,729,000 | 741,836,000 | 729,999,000 | 726,396,000 |
| Total loans | 359,526,000 | 369,314,000 | 377,350,000 | 367,945,000 |
| Allowance for loan losses | 15,389,000 | 15,179,000 | 14,679,000 | 13,671,000 |
| Securities available for sale | 320,362,000 | 303,108,000 | 290,472,000 | 307,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 537,347,000 | 531,808,000 | 525,576,000 | 531,667,000 |
| Interest-bearing deposits | 473,131,000 | 459,550,000 | 459,282,000 | 468,490,000 |
| Noninterest-bearing deposits | 64,216,000 | 72,258,000 | 66,294,000 | 63,177,000 |
| Equity capital | 49,673,000 | 44,622,000 | 43,583,000 | 42,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,747,000 | 13,486,000 | 20,434,000 | 27,498,000 |
| Interest expense | 1,986,000 | 3,789,000 | 5,513,000 | 7,210,000 |
| Net interest income | 4,761,000 | 9,697,000 | 14,921,000 | 20,288,000 |
| Noninterest income | 1,352,000 | 2,153,000 | 3,285,000 | 5,188,000 |
| Noninterest expense | 6,027,000 | 13,344,000 | 18,737,000 | 24,284,000 |
| Provision for loan losses | -251,000 | -414,000 | -196,000 | -872,000 |
| Pretax income | 376,000 | -1,015,000 | -271,000 | 2,128,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 203,000 | -494,000 | 93,000 | 2,706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,488,000 | 73,004,000 | 73,672,000 | 70,340,000 |
| Total capital | 80,422,000 | 79,065,000 | 79,747,000 | 76,236,000 |
| Risk-weighted assets | 465,296,000 | 475,771,000 | 477,392,000 | 463,881,000 |
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