Call reports 2025
ROYAL BANK — 2025
What ROYAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 759,992,000 | 771,578,000 | 775,758,000 | 798,759,000 |
| Total loans | 506,071,000 | 524,355,000 | 533,124,000 | 551,205,000 |
| Allowance for loan losses | 7,675,000 | 7,854,000 | 8,016,000 | 8,301,000 |
| Securities available for sale | 32,242,000 | 31,989,000 | 38,639,000 | 39,660,000 |
| Securities held to maturity | 147,375,000 | 145,997,000 | 152,691,000 | 153,874,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 673,809,000 | 683,784,000 | 685,951,000 | 708,273,000 |
| Interest-bearing deposits | 484,723,000 | 493,435,000 | 496,782,000 | 510,098,000 |
| Noninterest-bearing deposits | 189,086,000 | 190,349,000 | 189,169,000 | 198,175,000 |
| Equity capital | 79,081,000 | 80,771,000 | 82,817,000 | 84,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,138,000 | 18,597,000 | 28,382,000 | 38,465,000 |
| Interest expense | 2,318,000 | 4,537,000 | 6,779,000 | 8,971,000 |
| Net interest income | 6,820,000 | 14,060,000 | 21,603,000 | 29,494,000 |
| Noninterest income | 1,126,000 | 2,214,000 | 3,327,000 | 4,519,000 |
| Noninterest expense | 4,880,000 | 9,734,000 | 14,463,000 | 19,482,000 |
| Provision for loan losses | 95,000 | 270,000 | 445,000 | 745,000 |
| Pretax income | 2,971,000 | 6,270,000 | 10,022,000 | 13,786,000 |
| Income tax | 514,000 | 1,101,000 | 1,788,000 | 2,464,000 |
| Net income | 2,457,000 | 5,169,000 | 8,234,000 | 11,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,206,000 | 78,739,000 | 80,624,000 | 82,234,000 |
| Total capital | 83,411,000 | 84,999,000 | 87,068,000 | 88,848,000 |
| Risk-weighted assets | 494,604,000 | 498,927,000 | 513,631,000 | 527,163,000 |