Call reports 2003
ROYAL BANK — 2003
What ROYAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 128,563,000 | 130,103,000 | 134,624,000 | 138,370,000 |
| Total loans | 93,714,000 | 95,612,000 | 98,006,000 | 96,508,000 |
| Allowance for loan losses | 834,000 | 841,000 | 885,000 | 914,000 |
| Securities available for sale | 21,196,000 | 20,045,000 | 21,051,000 | 25,088,000 |
| Securities held to maturity | 3,932,000 | 3,238,000 | 2,585,000 | 2,439,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,938,000 | 116,581,000 | 119,900,000 | 124,547,000 |
| Interest-bearing deposits | 99,325,000 | 98,705,000 | 100,831,000 | 105,166,000 |
| Noninterest-bearing deposits | 15,613,000 | 17,876,000 | 19,069,000 | 19,381,000 |
| Equity capital | 10,614,000 | 10,764,000 | 10,741,000 | 10,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,944,000 | 3,862,000 | 5,813,000 | 7,754,000 |
| Interest expense | 576,000 | 1,125,000 | 1,649,000 | 2,155,000 |
| Net interest income | 1,368,000 | 2,737,000 | 4,164,000 | 5,599,000 |
| Noninterest income | 220,000 | 454,000 | 678,000 | 903,000 |
| Noninterest expense | 1,087,000 | 2,198,000 | 3,322,000 | 4,474,000 |
| Provision for loan losses | 63,000 | 116,000 | 178,000 | 218,000 |
| Pretax income | 442,000 | 884,000 | 1,354,000 | 1,826,000 |
| Income tax | 124,000 | 248,000 | 377,000 | 503,000 |
| Net income | 318,000 | 636,000 | 977,000 | 1,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,425,000 | 9,594,000 | 9,766,000 | 9,943,000 |
| Total capital | 10,259,000 | 10,435,000 | 10,651,000 | 10,857,000 |
| Risk-weighted assets | 98,953,000 | 98,328,000 | 97,992,000 | 95,610,000 |
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