Call reports 2016
ROYAL BANK AMERICA — 2016
What ROYAL BANK AMERICA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 794,253,000 | 812,041,000 | 806,976,000 | 828,109,000 |
| Total loans | 531,165,000 | 547,089,000 | 575,825,000 | 602,009,000 |
| Allowance for loan losses | 9,941,000 | 10,008,000 | 10,254,000 | 10,420,000 |
| Securities available for sale | 201,761,000 | 205,117,000 | 169,415,000 | 170,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 594,467,000 | 604,305,000 | 597,280,000 | 631,892,000 |
| Interest-bearing deposits | 501,981,000 | 510,287,000 | 501,529,000 | 531,687,000 |
| Noninterest-bearing deposits | 92,486,000 | 94,018,000 | 95,751,000 | 100,205,000 |
| Equity capital | 65,369,000 | 67,688,000 | 68,790,000 | 70,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,208,000 | 16,384,000 | 24,838,000 | 33,394,000 |
| Interest expense | 1,727,000 | 3,487,000 | 5,381,000 | 7,160,000 |
| Net interest income | 6,481,000 | 12,897,000 | 19,457,000 | 26,234,000 |
| Noninterest income | 764,000 | 1,285,000 | 2,132,000 | 3,482,000 |
| Noninterest expense | 5,056,000 | 10,021,000 | 14,881,000 | 20,088,000 |
| Provision for loan losses | 212,000 | 409,000 | 987,000 | 1,242,000 |
| Pretax income | 2,319,000 | 4,191,000 | 6,397,000 | 9,111,000 |
| Income tax | 0 | 60,000 | 85,000 | -1,796,000 |
| Net income | 2,243,000 | 3,902,000 | 5,970,000 | 10,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,682,000 | 86,445,000 | 84,446,000 | 70,334,000 |
| Total capital | 91,988,000 | 93,869,000 | 92,206,000 | 78,327,000 |
| Risk-weighted assets | 577,451,000 | 586,998,000 | 613,976,000 | 631,022,000 |