Call reports 2009
ROYAL BANK — 2009
What ROYAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 213,532,000 | 216,275,000 | 218,407,000 | 224,659,000 |
| Total loans | 148,693,000 | 146,649,000 | 148,780,000 | 149,387,000 |
| Allowance for loan losses | 1,552,000 | 1,538,000 | 1,510,000 | 1,502,000 |
| Securities available for sale | 44,647,000 | 45,025,000 | 44,803,000 | 44,509,000 |
| Securities held to maturity | 600,000 | 1,563,000 | 4,585,000 | 6,312,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,085,000 | 186,993,000 | 183,092,000 | 190,191,000 |
| Interest-bearing deposits | 153,580,000 | 158,379,000 | 154,694,000 | 158,921,000 |
| Noninterest-bearing deposits | 28,505,000 | 28,614,000 | 28,398,000 | 31,270,000 |
| Equity capital | 20,775,000 | 20,714,000 | 21,346,000 | 21,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,995,000 | 5,936,000 | 8,928,000 | 11,857,000 |
| Interest expense | 895,000 | 1,758,000 | 2,595,000 | 3,373,000 |
| Net interest income | 2,100,000 | 4,178,000 | 6,333,000 | 8,484,000 |
| Noninterest income | 603,000 | 1,222,000 | 1,740,000 | 2,218,000 |
| Noninterest expense | 1,816,000 | 3,731,000 | 5,561,000 | 7,454,000 |
| Provision for loan losses | 120,000 | 200,000 | 270,000 | 325,000 |
| Pretax income | 767,000 | 1,469,000 | 2,242,000 | 2,940,000 |
| Income tax | 188,000 | 351,000 | 531,000 | 712,000 |
| Net income | 579,000 | 1,118,000 | 1,711,000 | 2,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,686,000 | 17,762,000 | 17,889,000 | 17,943,000 |
| Total capital | 19,238,000 | 19,300,000 | 19,399,000 | 19,445,000 |
| Risk-weighted assets | 161,558,000 | 157,226,000 | 158,789,000 | 161,066,000 |