Call reports 2008
ROYAL BANK — 2008
What ROYAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 208,692,000 | 215,515,000 | 213,381,000 | 214,856,000 |
| Total loans | 142,644,000 | 149,397,000 | 149,777,000 | 150,254,000 |
| Allowance for loan losses | 1,453,000 | 1,416,000 | 1,486,000 | 1,515,000 |
| Securities available for sale | 47,981,000 | 46,866,000 | 44,875,000 | 44,669,000 |
| Securities held to maturity | 705,000 | 390,000 | 1,390,000 | 715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,033,000 | 178,925,000 | 173,673,000 | 178,970,000 |
| Interest-bearing deposits | 152,029,000 | 150,044,000 | 147,659,000 | 149,278,000 |
| Noninterest-bearing deposits | 26,004,000 | 28,881,000 | 26,014,000 | 29,692,000 |
| Equity capital | 20,544,000 | 19,971,000 | 20,101,000 | 20,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,297,000 | 6,518,000 | 9,711,000 | 12,846,000 |
| Interest expense | 1,217,000 | 2,279,000 | 3,317,000 | 4,299,000 |
| Net interest income | 2,080,000 | 4,239,000 | 6,394,000 | 8,547,000 |
| Noninterest income | 443,000 | 854,000 | 1,296,000 | 1,697,000 |
| Noninterest expense | 1,848,000 | 3,573,000 | 5,349,000 | 7,123,000 |
| Provision for loan losses | 60,000 | 160,000 | 275,000 | 345,000 |
| Pretax income | 615,000 | 1,361,000 | 2,067,000 | 2,777,000 |
| Income tax | 111,000 | 288,000 | 435,000 | 596,000 |
| Net income | 504,000 | 1,073,000 | 1,632,000 | 2,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,288,000 | 17,392,000 | 17,485,000 | 17,573,000 |
| Total capital | 18,741,000 | 18,808,000 | 18,971,000 | 19,088,000 |
| Risk-weighted assets | 153,093,000 | 160,617,000 | 161,279,000 | 162,634,000 |
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