Call reports 2010
ROYAL BANK — 2010
What ROYAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 218,997,000 | 223,496,000 | 222,865,000 | 230,586,000 |
| Total loans | 149,332,000 | 154,068,000 | 153,184,000 | 149,901,000 |
| Allowance for loan losses | 1,580,000 | 1,629,000 | 1,817,000 | 1,671,000 |
| Securities available for sale | 44,203,000 | 44,108,000 | 43,850,000 | 43,089,000 |
| Securities held to maturity | 7,835,000 | 7,530,000 | 6,677,000 | 9,295,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,311,000 | 194,504,000 | 197,339,000 | 193,685,000 |
| Interest-bearing deposits | 157,941,000 | 164,929,000 | 168,101,000 | 161,780,000 |
| Noninterest-bearing deposits | 27,371,000 | 29,576,000 | 29,238,000 | 31,905,000 |
| Equity capital | 21,257,000 | 21,358,000 | 21,892,000 | 21,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,881,000 | 5,823,000 | 8,784,000 | 11,670,000 |
| Interest expense | 702,000 | 1,368,000 | 1,989,000 | 2,566,000 |
| Net interest income | 2,179,000 | 4,455,000 | 6,795,000 | 9,104,000 |
| Noninterest income | 434,000 | 899,000 | 1,589,000 | 2,302,000 |
| Noninterest expense | 1,828,000 | 3,652,000 | 5,599,000 | 7,450,000 |
| Provision for loan losses | 60,000 | 137,000 | 327,000 | 552,000 |
| Pretax income | 793,000 | 1,633,000 | 2,526,000 | 3,472,000 |
| Income tax | 200,000 | 422,000 | 667,000 | 933,000 |
| Net income | 593,000 | 1,211,000 | 1,859,000 | 2,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,071,000 | 18,324,000 | 18,607,000 | 18,923,000 |
| Total capital | 19,651,000 | 19,953,000 | 20,424,000 | 20,594,000 |
| Risk-weighted assets | 161,462,000 | 164,261,000 | 161,725,000 | 164,621,000 |