Call reports 2020
ROYAL BANK — 2020
What ROYAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 472,899,000 | 528,594,000 | 550,707,000 | 638,481,000 |
| Total loans | 342,000,000 | 381,653,000 | 390,665,000 | 402,354,000 |
| Allowance for loan losses | 5,318,000 | 5,967,000 | 5,904,000 | 6,208,000 |
| Securities available for sale | 63,932,000 | 67,670,000 | 94,597,000 | 134,667,000 |
| Securities held to maturity | 14,086,000 | 11,200,000 | 10,028,000 | 8,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 406,761,000 | 458,573,000 | 481,095,000 | 556,865,000 |
| Interest-bearing deposits | 312,179,000 | 339,942,000 | 350,101,000 | 400,149,000 |
| Noninterest-bearing deposits | 94,581,000 | 118,631,000 | 130,994,000 | 156,716,000 |
| Equity capital | 50,723,000 | 53,548,000 | 56,014,000 | 65,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,089,000 | 11,490,000 | 16,815,000 | 21,876,000 |
| Interest expense | 630,000 | 1,121,000 | 1,549,000 | 1,922,000 |
| Net interest income | 4,459,000 | 10,369,000 | 15,266,000 | 19,954,000 |
| Noninterest income | 1,027,000 | 2,362,000 | 3,815,000 | 5,157,000 |
| Noninterest expense | 3,452,000 | 7,182,000 | 10,430,000 | 14,043,000 |
| Provision for loan losses | 115,000 | 990,000 | 990,000 | 1,310,000 |
| Pretax income | 1,936,000 | 4,583,000 | 7,685,000 | 9,782,000 |
| Income tax | 455,000 | 1,112,000 | 1,886,000 | 2,374,000 |
| Net income | 1,481,000 | 3,471,000 | 5,799,000 | 7,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,350,000 | 49,339,000 | 51,691,000 | 59,634,000 |
| Total capital | 51,667,000 | 53,674,000 | 56,193,000 | 64,555,000 |
| Risk-weighted assets | 344,368,000 | 345,169,000 | 358,740,000 | 392,368,000 |