Call reports 2023
ROYAL BANK — 2023
What ROYAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 726,228,000 | 717,006,000 | 715,490,000 | 736,089,000 |
| Total loans | 493,967,000 | 490,774,000 | 492,208,000 | 492,164,000 |
| Allowance for loan losses | 7,253,000 | 7,237,000 | 7,237,000 | 7,258,000 |
| Securities available for sale | 35,592,000 | 32,014,000 | 30,739,000 | 30,999,000 |
| Securities held to maturity | 146,297,000 | 144,773,000 | 141,799,000 | 140,654,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 646,085,000 | 636,619,000 | 634,979,000 | 654,272,000 |
| Interest-bearing deposits | 454,993,000 | 444,327,000 | 447,083,000 | 459,028,000 |
| Noninterest-bearing deposits | 191,092,000 | 192,292,000 | 187,896,000 | 195,244,000 |
| Equity capital | 75,263,000 | 75,366,000 | 75,457,000 | 76,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,844,000 | 14,025,000 | 21,551,000 | 29,527,000 |
| Interest expense | 889,000 | 2,176,000 | 3,758,000 | 5,564,000 |
| Net interest income | 5,955,000 | 11,849,000 | 17,793,000 | 23,963,000 |
| Noninterest income | 1,132,000 | 2,221,000 | 3,346,000 | 4,523,000 |
| Noninterest expense | 4,449,000 | 8,797,000 | 13,287,000 | 17,623,000 |
| Provision for loan losses | 80,000 | 90,000 | 90,000 | 130,000 |
| Pretax income | 2,558,000 | 5,183,000 | 7,751,000 | 10,722,000 |
| Income tax | 578,000 | 1,176,000 | 1,496,000 | 2,058,000 |
| Net income | 1,980,000 | 4,007,000 | 6,255,000 | 8,664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,292,000 | 74,553,000 | 74,834,000 | 75,078,000 |
| Total capital | 80,243,000 | 80,638,000 | 80,832,000 | 81,072,000 |
| Risk-weighted assets | 474,446,000 | 485,360,000 | 478,312,000 | 477,919,000 |