Call reports 2015
ROYAL BANK AMERICA — 2015
What ROYAL BANK AMERICA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 720,497,000 | 721,909,000 | 757,996,000 | 783,929,000 |
| Total loans | 418,701,000 | 447,659,000 | 471,225,000 | 499,106,000 |
| Allowance for loan losses | 10,897,000 | 10,036,000 | 9,806,000 | 9,689,000 |
| Securities available for sale | 227,257,000 | 211,974,000 | 230,306,000 | 224,535,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 527,791,000 | 538,742,000 | 564,764,000 | 588,864,000 |
| Interest-bearing deposits | 443,478,000 | 446,755,000 | 476,814,000 | 494,363,000 |
| Noninterest-bearing deposits | 84,313,000 | 91,987,000 | 87,950,000 | 94,501,000 |
| Equity capital | 53,630,000 | 53,984,000 | 56,254,000 | 61,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,276,000 | 14,341,000 | 22,134,000 | 29,974,000 |
| Interest expense | 1,579,000 | 3,178,000 | 4,820,000 | 6,510,000 |
| Net interest income | 5,697,000 | 11,163,000 | 17,314,000 | 23,464,000 |
| Noninterest income | 529,000 | 1,203,000 | 1,519,000 | 2,441,000 |
| Noninterest expense | 5,163,000 | 10,546,000 | 15,553,000 | 20,884,000 |
| Provision for loan losses | -580,000 | -1,166,000 | -1,382,000 | -748,000 |
| Pretax income | 1,768,000 | 3,355,000 | 5,111,000 | 6,339,000 |
| Income tax | 0 | 0 | 0 | -5,326,000 |
| Net income | 1,598,000 | 3,034,000 | 4,611,000 | 11,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,183,000 | 78,665,000 | 80,320,000 | 82,407,000 |
| Total capital | 83,479,000 | 85,262,000 | 86,950,000 | 89,431,000 |
| Risk-weighted assets | 499,678,000 | 524,291,000 | 527,195,000 | 554,887,000 |