Call reports 2008
RBC BANK (GEORGIA) — 2008
What RBC BANK (GEORGIA) reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 7,528,000 | 9,811,000 | 9,997,000 | 9,858,000 |
| Total loans | 6,154,000 | 8,412,000 | 5,628,000 | 6,263,000 |
| Allowance for loan losses | 230,000 | 358,000 | 214,000 | 237,000 |
| Securities available for sale | 1,057,000 | 1,031,000 | 2,062,000 | 2,109,000 |
| 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 | 6,109,000 | 8,456,000 | 8,571,000 | 8,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 170,000 | 395,000 | 598,000 | 784,000 |
| Interest expense | 6,000 | 11,000 | 18,000 | 23,000 |
| Net interest income | 164,000 | 384,000 | 580,000 | 761,000 |
| Noninterest income | 128,000 | 298,000 | 383,000 | 298,000 |
| Noninterest expense | 194,000 | 497,000 | 701,000 | 677,000 |
| Provision for loan losses | -24,000 | 158,000 | 61,000 | 154,000 |
| Pretax income | 122,000 | 27,000 | 201,000 | 228,000 |
| Income tax | 48,000 | 10,000 | 79,000 | 90,000 |
| Net income | 74,000 | 17,000 | 122,000 | 138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,117,000 | 8,475,000 | 8,579,000 | 8,596,000 |
| Total capital | 6,199,000 | 8,586,000 | 8,661,000 | 8,685,000 |
| Risk-weighted assets | 6,372,000 | 8,616,000 | 6,459,000 | 6,870,000 |