Call reports 2014
ROYAL BANK — 2014
What ROYAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 314,430,000 | 318,676,000 | 324,501,000 | 330,183,000 |
| Total loans | 204,608,000 | 212,039,000 | 221,230,000 | 230,938,000 |
| Allowance for loan losses | 4,097,000 | 4,062,000 | 4,066,000 | 4,062,000 |
| Securities available for sale | 43,472,000 | 43,694,000 | 43,480,000 | 42,359,000 |
| Securities held to maturity | 34,119,000 | 33,017,000 | 31,373,000 | 28,457,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,601,000 | 264,002,000 | 263,991,000 | 273,383,000 |
| Interest-bearing deposits | 207,742,000 | 206,782,000 | 202,783,000 | 205,386,000 |
| Noninterest-bearing deposits | 54,859,000 | 57,220,000 | 61,208,000 | 67,997,000 |
| Equity capital | 35,566,000 | 35,956,000 | 36,040,000 | 36,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,161,000 | 6,309,000 | 9,587,000 | 13,055,000 |
| Interest expense | 240,000 | 467,000 | 693,000 | 908,000 |
| Net interest income | 2,921,000 | 5,842,000 | 8,894,000 | 12,147,000 |
| Noninterest income | 668,000 | 1,298,000 | 1,915,000 | 2,468,000 |
| Noninterest expense | 2,323,000 | 4,651,000 | 7,016,000 | 9,540,000 |
| Provision for loan losses | 76,000 | 76,000 | 76,000 | 76,000 |
| Pretax income | 1,193,000 | 2,416,000 | 3,720,000 | 5,002,000 |
| Income tax | 364,000 | 743,000 | 1,153,000 | 1,563,000 |
| Net income | 829,000 | 1,673,000 | 2,567,000 | 3,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,037,000 | 33,411,000 | 33,534,000 | 33,634,000 |
| Total capital | 35,732,000 | 36,173,000 | 36,462,000 | 36,583,000 |
| Risk-weighted assets | 214,178,000 | 219,640,000 | 233,123,000 | 234,813,000 |