Call reports 2006
ROYAL BANK — 2006
What ROYAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 152,345,000 | 156,190,000 | 155,310,000 | 158,455,000 |
| Total loans | 110,246,000 | 114,041,000 | 113,793,000 | 112,500,000 |
| Allowance for loan losses | 1,001,000 | 969,000 | 1,006,000 | 1,000,000 |
| Securities available for sale | 31,438,000 | 30,988,000 | 30,960,000 | 32,970,000 |
| Securities held to maturity | 1,718,000 | 1,415,000 | 1,410,000 | 1,245,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,397,000 | 133,751,000 | 137,720,000 | 141,460,000 |
| Interest-bearing deposits | 113,580,000 | 113,762,000 | 117,892,000 | 119,926,000 |
| Noninterest-bearing deposits | 20,817,000 | 19,989,000 | 19,828,000 | 21,535,000 |
| Equity capital | 11,630,000 | 11,626,000 | 11,993,000 | 12,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,326,000 | 4,777,000 | 7,351,000 | 9,966,000 |
| Interest expense | 882,000 | 1,886,000 | 3,024,000 | 4,158,000 |
| Net interest income | 1,444,000 | 2,891,000 | 4,327,000 | 5,808,000 |
| Noninterest income | 288,000 | 576,000 | 879,000 | 1,139,000 |
| Noninterest expense | 1,260,000 | 2,501,000 | 3,762,000 | 4,979,000 |
| Provision for loan losses | 30,000 | 50,000 | 90,000 | 111,000 |
| Pretax income | 442,000 | 915,000 | 1,354,000 | 1,857,000 |
| Income tax | 114,000 | 247,000 | 367,000 | 527,000 |
| Net income | 328,000 | 668,000 | 987,000 | 1,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,245,000 | 11,406,000 | 11,547,000 | 11,649,000 |
| Total capital | 12,246,000 | 12,375,000 | 12,553,000 | 12,649,000 |
| Risk-weighted assets | 111,579,000 | 113,959,000 | 115,439,000 | 113,902,000 |