Call reports 2013
ROYAL BANK — 2013
What ROYAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 334,556,000 | 322,297,000 | 318,706,000 | 320,789,000 |
| Total loans | 203,650,000 | 208,030,000 | 209,037,000 | 209,782,000 |
| Allowance for loan losses | 3,774,000 | 3,866,000 | 4,024,000 | 4,014,000 |
| Securities available for sale | 43,679,000 | 43,289,000 | 42,836,000 | 43,212,000 |
| Securities held to maturity | 39,313,000 | 40,723,000 | 37,603,000 | 35,864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,433,000 | 270,139,000 | 262,037,000 | 268,785,000 |
| Interest-bearing deposits | 224,741,000 | 217,032,000 | 206,624,000 | 212,503,000 |
| Noninterest-bearing deposits | 58,692,000 | 53,107,000 | 55,413,000 | 56,282,000 |
| Equity capital | 33,971,000 | 34,092,000 | 34,263,000 | 35,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,390,000 | 6,817,000 | 10,348,000 | 13,960,000 |
| Interest expense | 335,000 | 643,000 | 924,000 | 1,186,000 |
| Net interest income | 3,055,000 | 6,174,000 | 9,424,000 | 12,774,000 |
| Noninterest income | 976,000 | 1,914,000 | 2,748,000 | 3,327,000 |
| Noninterest expense | 2,433,000 | 4,956,000 | 7,400,000 | 9,769,000 |
| Provision for loan losses | 329,000 | 558,000 | 817,000 | 1,116,000 |
| Pretax income | 1,269,000 | 2,574,000 | 3,955,000 | 5,216,000 |
| Income tax | 384,000 | 784,000 | 1,214,000 | 1,600,000 |
| Net income | 885,000 | 1,790,000 | 2,741,000 | 3,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,857,000 | 31,290,000 | 31,773,000 | 32,679,000 |
| Total capital | 33,627,000 | 34,115,000 | 34,590,000 | 35,485,000 |
| Risk-weighted assets | 220,576,000 | 224,945,000 | 224,186,000 | 223,258,000 |