Call reports 2004
ROYAL BANK — 2004
What ROYAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 137,674,000 | 141,049,000 | 142,587,000 | 143,541,000 |
| Total loans | 97,439,000 | 102,264,000 | 105,769,000 | 105,290,000 |
| Allowance for loan losses | 899,000 | 954,000 | 925,000 | 1,017,000 |
| Securities available for sale | 26,039,000 | 25,113,000 | 25,836,000 | 24,900,000 |
| Securities held to maturity | 2,413,000 | 2,386,000 | 2,364,000 | 2,387,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,216,000 | 126,370,000 | 124,082,000 | 128,207,000 |
| Interest-bearing deposits | 104,951,000 | 106,105,000 | 103,987,000 | 107,267,000 |
| Noninterest-bearing deposits | 18,265,000 | 20,265,000 | 20,095,000 | 20,940,000 |
| Equity capital | 11,148,000 | 10,828,000 | 11,287,000 | 11,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,878,000 | 3,776,000 | 5,733,000 | 7,730,000 |
| Interest expense | 476,000 | 945,000 | 1,434,000 | 1,961,000 |
| Net interest income | 1,402,000 | 2,831,000 | 4,299,000 | 5,769,000 |
| Noninterest income | 211,000 | 421,000 | 650,000 | 887,000 |
| Noninterest expense | 1,199,000 | 2,312,000 | 3,459,000 | 4,547,000 |
| Provision for loan losses | 15,000 | 75,000 | 130,000 | 264,000 |
| Pretax income | 403,000 | 873,000 | 1,369,000 | 1,853,000 |
| Income tax | 98,000 | 222,000 | 382,000 | 510,000 |
| Net income | 305,000 | 651,000 | 987,000 | 1,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,049,000 | 10,226,000 | 10,414,000 | 10,613,000 |
| Total capital | 10,948,000 | 11,180,000 | 11,339,000 | 11,630,000 |
| Risk-weighted assets | 98,251,000 | 100,608,000 | 98,771,000 | 100,216,000 |