Call reports 2005
ROYAL BANK — 2005
What ROYAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 140,935,000 | 146,907,000 | 149,495,000 | 153,349,000 |
| Total loans | 104,216,000 | 105,460,000 | 104,621,000 | 106,113,000 |
| Allowance for loan losses | 1,053,000 | 1,041,000 | 1,013,000 | 1,007,000 |
| Securities available for sale | 24,506,000 | 27,920,000 | 30,649,000 | 34,290,000 |
| Securities held to maturity | 2,427,000 | 2,104,000 | 2,099,000 | 1,921,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,250,000 | 132,075,000 | 134,163,000 | 138,253,000 |
| Interest-bearing deposits | 107,465,000 | 111,786,000 | 112,598,000 | 116,215,000 |
| Noninterest-bearing deposits | 19,785,000 | 20,289,000 | 21,564,000 | 22,039,000 |
| Equity capital | 11,371,000 | 11,590,000 | 11,593,000 | 11,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,983,000 | 4,061,000 | 6,242,000 | 8,487,000 |
| Interest expense | 556,000 | 1,199,000 | 1,935,000 | 2,743,000 |
| Net interest income | 1,427,000 | 2,862,000 | 4,307,000 | 5,744,000 |
| Noninterest income | 240,000 | 519,000 | 800,000 | 1,042,000 |
| Noninterest expense | 1,149,000 | 2,381,000 | 3,632,000 | 4,867,000 |
| Provision for loan losses | 30,000 | 110,000 | 250,000 | 300,000 |
| Pretax income | 488,000 | 890,000 | 1,225,000 | 1,619,000 |
| Income tax | 136,000 | 237,000 | 310,000 | 411,000 |
| Net income | 352,000 | 653,000 | 915,000 | 1,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,798,000 | 10,910,000 | 10,982,000 | 11,106,000 |
| Total capital | 11,851,000 | 11,951,000 | 11,995,000 | 12,113,000 |
| Risk-weighted assets | 105,988,000 | 105,997,000 | 108,592,000 | 160,997,000 |