Call reports 2019
ROYAL BANK — 2019
What ROYAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 440,718,000 | 443,220,000 | 450,233,000 | 468,037,000 |
| Total loans | 314,824,000 | 325,362,000 | 332,397,000 | 336,162,000 |
| Allowance for loan losses | 4,703,000 | 4,824,000 | 5,021,000 | 5,202,000 |
| Securities available for sale | 48,480,000 | 56,688,000 | 57,292,000 | 62,776,000 |
| Securities held to maturity | 23,076,000 | 19,758,000 | 17,291,000 | 15,768,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,207,000 | 373,880,000 | 377,851,000 | 394,267,000 |
| Interest-bearing deposits | 284,752,000 | 284,053,000 | 284,409,000 | 297,973,000 |
| Noninterest-bearing deposits | 88,455,000 | 89,827,000 | 93,442,000 | 96,294,000 |
| Equity capital | 46,662,000 | 47,915,000 | 48,922,000 | 49,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,738,000 | 9,715,000 | 14,841,000 | 19,980,000 |
| Interest expense | 578,000 | 1,223,000 | 1,902,000 | 2,582,000 |
| Net interest income | 4,160,000 | 8,492,000 | 12,939,000 | 17,398,000 |
| Noninterest income | 1,045,000 | 1,905,000 | 3,122,000 | 4,234,000 |
| Noninterest expense | 2,985,000 | 6,159,000 | 9,653,000 | 13,070,000 |
| Provision for loan losses | 400,000 | 513,000 | 762,000 | 963,000 |
| Pretax income | 1,805,000 | 3,710,000 | 5,630,000 | 7,584,000 |
| Income tax | 427,000 | 880,000 | 1,307,000 | 1,771,000 |
| Net income | 1,378,000 | 2,830,000 | 4,323,000 | 5,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,539,000 | 45,212,000 | 45,938,000 | 46,649,000 |
| Total capital | 48,483,000 | 49,214,000 | 50,119,000 | 50,878,000 |
| Risk-weighted assets | 314,756,000 | 319,317,000 | 333,629,000 | 337,374,000 |