Call reports 2015
ROYAL BANK — 2015
What ROYAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 330,599,000 | 339,735,000 | 337,520,000 | 354,569,000 |
| Total loans | 234,144,000 | 238,476,000 | 240,840,000 | 246,043,000 |
| Allowance for loan losses | 4,050,000 | 4,050,000 | 3,986,000 | 3,964,000 |
| Securities available for sale | 42,487,000 | 42,977,000 | 42,869,000 | 42,804,000 |
| Securities held to maturity | 27,871,000 | 23,955,000 | 24,564,000 | 25,192,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,423,000 | 286,996,000 | 284,614,000 | 301,666,000 |
| Interest-bearing deposits | 206,335,000 | 216,987,000 | 219,498,000 | 227,746,000 |
| Noninterest-bearing deposits | 70,088,000 | 70,009,000 | 65,115,000 | 73,920,000 |
| Equity capital | 36,488,000 | 36,479,000 | 36,766,000 | 36,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,313,000 | 6,732,000 | 10,231,000 | 13,846,000 |
| Interest expense | 205,000 | 412,000 | 624,000 | 836,000 |
| Net interest income | 3,108,000 | 6,320,000 | 9,607,000 | 13,010,000 |
| Noninterest income | 556,000 | 1,197,000 | 1,828,000 | 2,541,000 |
| Noninterest expense | 2,404,000 | 4,894,000 | 7,436,000 | 10,237,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 1,250,000 | 2,613,000 | 3,989,000 | 5,304,000 |
| Income tax | 398,000 | 835,000 | 1,280,000 | 1,699,000 |
| Net income | 852,000 | 1,778,000 | 2,709,000 | 3,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,401,000 | 35,473,000 | 35,718,000 | 35,797,000 |
| Total capital | 38,354,000 | 38,397,000 | 38,649,000 | 38,801,000 |
| Risk-weighted assets | 235,151,000 | 232,813,000 | 233,438,000 | 239,337,000 |