Call reports 2005
RBC BANK (GEORGIA) — 2005
What RBC BANK (GEORGIA) reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 10,246,000 | 10,424,000 | 10,486,000 | 10,282,000 |
| Total loans | 4,595,000 | 4,787,000 | 4,807,000 | 5,280,000 |
| Allowance for loan losses | 185,000 | 191,000 | 192,000 | 211,000 |
| Securities available for sale | 1,715,000 | 1,574,000 | 1,344,000 | 1,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 600,000 | 600,000 | 600,000 | 600,000 |
| Interest-bearing deposits | 600,000 | 600,000 | 600,000 | 600,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 9,242,000 | 9,289,000 | 9,299,000 | 9,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 147,000 | 272,000 | 402,000 | 552,000 |
| Interest expense | 3,000 | 6,000 | 9,000 | 12,000 |
| Net interest income | 144,000 | 266,000 | 393,000 | 540,000 |
| Noninterest income | 68,000 | 146,000 | 230,000 | 326,000 |
| Noninterest expense | 98,000 | 198,000 | 350,000 | 484,000 |
| Provision for loan losses | 16,000 | 61,000 | 94,000 | 148,000 |
| Pretax income | 98,000 | 153,000 | 179,000 | 234,000 |
| Income tax | 39,000 | 61,000 | 70,000 | 92,000 |
| Net income | 59,000 | 92,000 | 109,000 | 142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,265,000 | 9,297,000 | 9,314,000 | 9,348,000 |
| Total capital | 9,337,000 | 9,372,000 | 9,389,000 | 9,427,000 |
| Risk-weighted assets | 5,672,000 | 5,848,000 | 5,882,000 | 6,213,000 |