Call reports 2007
ROYAL BANK — 2007
What ROYAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 158,137,000 | 205,627,000 | 208,404,000 | 215,354,000 |
| Total loans | 111,911,000 | 141,675,000 | 143,042,000 | 143,888,000 |
| Allowance for loan losses | 977,000 | 1,362,000 | 1,335,000 | 1,425,000 |
| Securities available for sale | 35,029,000 | 44,759,000 | 49,412,000 | 50,139,000 |
| Securities held to maturity | 1,131,000 | 1,074,000 | 1,073,000 | 921,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,531,000 | 182,353,000 | 184,159,000 | 186,442,000 |
| Interest-bearing deposits | 118,480,000 | 158,000,000 | 158,861,000 | 156,442,000 |
| Noninterest-bearing deposits | 21,051,000 | 24,353,000 | 25,298,000 | 30,000,000 |
| Equity capital | 12,327,000 | 18,636,000 | 19,442,000 | 19,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,621,000 | 5,868,000 | 9,277,000 | 12,693,000 |
| Interest expense | 1,142,000 | 2,518,000 | 4,005,000 | 5,428,000 |
| Net interest income | 1,479,000 | 3,350,000 | 5,272,000 | 7,265,000 |
| Noninterest income | 326,000 | 684,000 | 1,057,000 | 1,477,000 |
| Noninterest expense | 1,366,000 | 2,886,000 | 4,549,000 | 6,286,000 |
| Provision for loan losses | 30,000 | 70,000 | 120,000 | 240,000 |
| Pretax income | 409,000 | 1,078,000 | 1,660,000 | 2,216,000 |
| Income tax | 110,000 | 322,000 | 473,000 | 596,000 |
| Net income | 299,000 | 756,000 | 1,187,000 | 1,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,779,000 | 16,313,000 | 16,782,000 | 17,049,000 |
| Total capital | 12,756,000 | 17,675,000 | 18,117,000 | 18,474,000 |
| Risk-weighted assets | 113,818,000 | 148,889,000 | 153,314,000 | 154,584,000 |