Call reports 2018
ROYAL BANK — 2018
What ROYAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 418,403,000 | 424,550,000 | 422,500,000 | 442,832,000 |
| Total loans | 294,103,000 | 302,653,000 | 306,967,000 | 310,926,000 |
| Allowance for loan losses | 4,215,000 | 4,269,000 | 4,312,000 | 4,363,000 |
| Securities available for sale | 50,290,000 | 49,948,000 | 49,637,000 | 50,508,000 |
| Securities held to maturity | 29,319,000 | 28,368,000 | 29,061,000 | 25,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,788,000 | 359,338,000 | 354,216,000 | 378,356,000 |
| Interest-bearing deposits | 268,176,000 | 268,052,000 | 265,956,000 | 286,653,000 |
| Noninterest-bearing deposits | 89,612,000 | 91,286,000 | 88,260,000 | 91,703,000 |
| Equity capital | 43,687,000 | 44,170,000 | 44,487,000 | 45,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,176,000 | 8,672,000 | 13,274,000 | 17,964,000 |
| Interest expense | 292,000 | 647,000 | 1,075,000 | 1,586,000 |
| Net interest income | 3,884,000 | 8,025,000 | 12,199,000 | 16,378,000 |
| Noninterest income | 727,000 | 1,459,000 | 2,307,000 | 3,146,000 |
| Noninterest expense | 2,949,000 | 5,927,000 | 9,015,000 | 12,191,000 |
| Provision for loan losses | 45,000 | 178,000 | 288,000 | 348,000 |
| Pretax income | 1,616,000 | 3,378,000 | 5,202,000 | 6,984,000 |
| Income tax | 377,000 | 802,000 | 1,241,000 | 1,669,000 |
| Net income | 1,239,000 | 2,576,000 | 3,961,000 | 5,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,302,000 | 42,830,000 | 43,432,000 | 44,003,000 |
| Total capital | 45,867,000 | 46,502,000 | 47,165,000 | 47,936,000 |
| Risk-weighted assets | 284,533,000 | 293,149,000 | 298,060,000 | 314,170,000 |