Call reports 2004
RBC BANK (USA) — 2004
What RBC BANK (USA) reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 20,198,145,000 | 21,482,055,000 | 19,902,425,000 | 18,386,391,000 |
| Total loans | 12,182,683,000 | 13,178,202,000 | 12,640,638,000 | 11,274,516,000 |
| Allowance for loan losses | 147,981,000 | 154,711,000 | 160,955,000 | 165,664,000 |
| Securities available for sale | 4,833,902,000 | 5,056,260,000 | 4,262,879,000 | 4,430,513,000 |
| Securities held to maturity | 5,950,000 | 5,105,000 | 4,472,000 | 3,998,000 |
| Trading assets | 4,534,000 | 3,732,000 | 1,182,000 | 1,149,000 |
| Total deposits | 8,870,325,000 | 9,033,378,000 | 9,153,832,000 | 9,371,617,000 |
| Interest-bearing deposits | 8,638,724,000 | 8,754,508,000 | 8,778,040,000 | 8,888,969,000 |
| Noninterest-bearing deposits | 231,601,000 | 278,870,000 | 375,792,000 | 482,648,000 |
| Equity capital | 3,158,449,000 | 3,292,044,000 | 3,321,550,000 | 3,213,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 184,295,000 | 386,611,000 | 595,597,000 | 810,431,000 |
| Interest expense | 54,833,000 | 114,437,000 | 182,492,000 | 253,616,000 |
| Net interest income | 129,462,000 | 272,174,000 | 413,105,000 | 556,815,000 |
| Noninterest income | 90,598,000 | 134,095,000 | 138,542,000 | 170,982,000 |
| Noninterest expense | 190,905,000 | 375,670,000 | 536,665,000 | 829,720,000 |
| Provision for loan losses | 13,129,000 | 28,729,000 | 41,629,000 | 54,929,000 |
| Pretax income | 16,051,000 | 1,860,000 | -26,494,000 | -156,442,000 |
| Income tax | 2,176,000 | -4,259,000 | -17,455,000 | -29,609,000 |
| Net income | 13,875,000 | 6,119,000 | -9,039,000 | -126,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,358,252,000 | 1,580,353,000 | 1,572,223,000 | 1,664,632,000 |
| Total capital | 1,827,996,000 | 2,056,673,000 | 1,954,959,000 | 2,045,656,000 |
| Risk-weighted assets | 13,176,458,000 | 13,503,650,000 | 13,279,696,000 | 12,746,488,000 |