Call reports 2016
ROYAL BANK — 2016
What ROYAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 348,852,000 | 354,129,000 | 354,506,000 | 367,694,000 |
| Total loans | 244,647,000 | 246,525,000 | 249,133,000 | 258,957,000 |
| Allowance for loan losses | 4,134,000 | 4,035,000 | 4,022,000 | 4,031,000 |
| Securities available for sale | 43,137,000 | 43,695,000 | 43,700,000 | 43,074,000 |
| Securities held to maturity | 26,993,000 | 29,300,000 | 29,657,000 | 30,438,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,109,000 | 300,490,000 | 300,414,000 | 313,190,000 |
| Interest-bearing deposits | 227,872,000 | 229,096,000 | 228,090,000 | 232,262,000 |
| Noninterest-bearing deposits | 69,237,000 | 71,394,000 | 72,323,000 | 80,928,000 |
| Equity capital | 37,302,000 | 37,484,000 | 38,318,000 | 37,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,481,000 | 6,964,000 | 10,552,000 | 14,155,000 |
| Interest expense | 212,000 | 423,000 | 639,000 | 850,000 |
| Net interest income | 3,269,000 | 6,541,000 | 9,913,000 | 13,305,000 |
| Noninterest income | 1,263,000 | 1,938,000 | 2,730,000 | 3,545,000 |
| Noninterest expense | 2,799,000 | 5,462,000 | 8,175,000 | 11,050,000 |
| Provision for loan losses | 240,000 | 240,000 | 260,000 | 300,000 |
| Pretax income | 1,493,000 | 2,777,000 | 4,208,000 | 5,500,000 |
| Income tax | 487,000 | 899,000 | 1,367,000 | 1,780,000 |
| Net income | 1,006,000 | 1,878,000 | 2,841,000 | 3,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,985,000 | 36,183,000 | 35,854,000 | 36,351,000 |
| Total capital | 39,033,000 | 39,246,000 | 38,928,000 | 39,566,000 |
| Risk-weighted assets | 242,754,000 | 244,052,000 | 244,994,000 | 256,355,000 |