Call reports 2002
ROYAL BANK — 2002
What ROYAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 119,524,000 | 124,359,000 | 128,862,000 | 131,978,000 |
| Total loans | 78,977,000 | 84,656,000 | 90,660,000 | 92,098,000 |
| Allowance for loan losses | 784,000 | 757,000 | 772,000 | 777,000 |
| Securities available for sale | 22,622,000 | 23,755,000 | 22,719,000 | 22,380,000 |
| Securities held to maturity | 5,705,000 | 5,470,000 | 4,761,000 | 4,246,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,414,000 | 110,304,000 | 112,033,000 | 116,664,000 |
| Interest-bearing deposits | 94,576,000 | 94,981,000 | 96,268,000 | 99,967,000 |
| Noninterest-bearing deposits | 13,838,000 | 15,323,000 | 15,765,000 | 16,697,000 |
| Equity capital | 10,088,000 | 10,376,000 | 10,394,000 | 10,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,944,000 | 3,898,000 | 5,954,000 | 7,974,000 |
| Interest expense | 708,000 | 1,387,000 | 2,077,000 | 2,729,000 |
| Net interest income | 1,236,000 | 2,511,000 | 3,877,000 | 5,245,000 |
| Noninterest income | 155,000 | 334,000 | 508,000 | 754,000 |
| Noninterest expense | 957,000 | 2,107,000 | 3,404,000 | 4,430,000 |
| Provision for loan losses | 63,000 | 65,000 | 99,000 | 165,000 |
| Pretax income | 371,000 | 685,000 | 899,000 | 1,426,000 |
| Income tax | 96,000 | 167,000 | 202,000 | 355,000 |
| Net income | 275,000 | 518,000 | 697,000 | 1,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,006,000 | 9,080,000 | 9,090,000 | 9,296,000 |
| Total capital | 9,790,000 | 9,837,000 | 9,862,000 | 10,073,000 |
| Risk-weighted assets | 86,061,000 | 89,216,000 | 97,217,000 | 98,776,000 |