Call reports 2012
ROYAL BANK — 2012
What ROYAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 313,165,000 | 315,923,000 | 310,617,000 | 336,186,000 |
| Total loans | 191,920,000 | 195,566,000 | 200,743,000 | 203,120,000 |
| Allowance for loan losses | 2,972,000 | 3,203,000 | 3,370,000 | 3,636,000 |
| Securities available for sale | 47,651,000 | 47,102,000 | 44,722,000 | 43,842,000 |
| Securities held to maturity | 34,515,000 | 35,900,000 | 36,610,000 | 38,716,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,134,000 | 263,876,000 | 259,554,000 | 285,850,000 |
| Interest-bearing deposits | 212,010,000 | 214,414,000 | 211,128,000 | 224,005,000 |
| Noninterest-bearing deposits | 46,124,000 | 49,462,000 | 48,426,000 | 61,845,000 |
| Equity capital | 32,648,000 | 32,932,000 | 33,208,000 | 33,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,649,000 | 7,197,000 | 10,737,000 | 14,317,000 |
| Interest expense | 488,000 | 939,000 | 1,367,000 | 1,737,000 |
| Net interest income | 3,161,000 | 6,258,000 | 9,370,000 | 12,580,000 |
| Noninterest income | 667,000 | 1,286,000 | 2,079,000 | 3,212,000 |
| Noninterest expense | 2,193,000 | 4,439,000 | 6,764,000 | 9,256,000 |
| Provision for loan losses | 279,000 | 554,000 | 843,000 | 1,154,000 |
| Pretax income | 1,356,000 | 2,551,000 | 3,842,000 | 5,357,000 |
| Income tax | 419,000 | 773,000 | 1,161,000 | 1,633,000 |
| Net income | 937,000 | 1,778,000 | 2,681,000 | 3,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,432,000 | 29,615,000 | 29,957,000 | 30,441,000 |
| Total capital | 32,093,000 | 32,306,000 | 32,692,000 | 33,202,000 |
| Risk-weighted assets | 212,535,000 | 214,793,000 | 218,182,000 | 220,040,000 |