Call reports 2005
RBC BANK (USA) — 2005
What RBC BANK (USA) 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 | 19,211,253,000 | 19,780,633,000 | 20,128,825,000 | 20,320,528,000 |
| Total loans | 11,719,038,000 | 12,342,489,000 | 12,452,671,000 | 12,637,589,000 |
| Allowance for loan losses | 172,402,000 | 177,674,000 | 172,153,000 | 170,515,000 |
| Securities available for sale | 4,795,575,000 | 4,654,534,000 | 4,888,046,000 | 4,760,271,000 |
| Securities held to maturity | 3,653,000 | 3,295,000 | 2,993,000 | 2,742,000 |
| Trading assets | 1,478,000 | 2,189,000 | 2,338,000 | 3,312,000 |
| Total deposits | 9,573,712,000 | 9,707,632,000 | 10,049,756,000 | 10,454,272,000 |
| Interest-bearing deposits | 9,058,006,000 | 9,232,625,000 | 9,548,576,000 | 9,994,289,000 |
| Noninterest-bearing deposits | 515,706,000 | 475,007,000 | 501,180,000 | 459,983,000 |
| Equity capital | 3,207,933,000 | 3,255,526,000 | 3,261,100,000 | 3,274,043,000 |
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 | 209,589,000 | 438,562,000 | 684,713,000 | 947,265,000 |
| Interest expense | 73,721,000 | 162,089,000 | 262,838,000 | 377,686,000 |
| Net interest income | 135,868,000 | 276,473,000 | 421,875,000 | 569,579,000 |
| Noninterest income | 27,209,000 | 59,669,000 | 94,352,000 | 122,558,000 |
| Noninterest expense | 122,059,000 | 247,736,000 | 377,788,000 | 514,630,000 |
| Provision for loan losses | 11,024,000 | 24,024,000 | 32,407,000 | 36,129,000 |
| Pretax income | 29,994,000 | 64,382,000 | 106,032,000 | 141,378,000 |
| Income tax | 8,540,000 | 19,423,000 | 42,969,000 | 51,921,000 |
| Net income | 21,454,000 | 44,959,000 | 63,063,000 | 89,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,696,670,000 | 1,723,773,000 | 1,748,379,000 | 1,758,393,000 |
| Total capital | 2,084,926,000 | 2,120,356,000 | 2,043,003,000 | 2,001,551,000 |
| Risk-weighted assets | 13,284,106,000 | 13,953,342,000 | 14,783,262,000 | 14,828,754,000 |