Call reports 2008
RBC BANK (USA) — 2008
What RBC BANK (USA) 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 | 25,548,477,000 | 31,262,175,000 | 30,955,917,000 | 30,436,225,000 |
| Total loans | 16,210,779,000 | 21,090,951,000 | 21,271,605,000 | 21,632,160,000 |
| Allowance for loan losses | 334,425,000 | 261,877,000 | 335,515,000 | 404,358,000 |
| Securities available for sale | 5,375,444,000 | 5,796,709,000 | 5,189,247,000 | 4,490,021,000 |
| Securities held to maturity | 1,679,000 | 1,597,000 | 1,525,000 | 0 |
| Trading assets | 35,309,000 | 17,163,000 | 22,322,000 | 71,890,000 |
| Total deposits | 13,459,912,000 | 17,815,603,000 | 18,111,134,000 | 19,298,371,000 |
| Interest-bearing deposits | 13,110,686,000 | 17,449,946,000 | 17,685,262,000 | 18,800,239,000 |
| Noninterest-bearing deposits | 349,226,000 | 365,657,000 | 425,872,000 | 498,132,000 |
| Equity capital | 3,401,487,000 | 4,004,123,000 | 3,816,893,000 | 2,829,671,000 |
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 | 328,779,000 | 752,178,000 | 1,123,442,000 | 1,473,878,000 |
| Interest expense | 166,033,000 | 349,435,000 | 506,726,000 | 661,419,000 |
| Net interest income | 162,746,000 | 402,743,000 | 616,716,000 | 812,459,000 |
| Noninterest income | 42,732,000 | 112,845,000 | 176,872,000 | 226,322,000 |
| Noninterest expense | 178,963,000 | 411,070,000 | 629,855,000 | 1,733,580,000 |
| Provision for loan losses | 79,816,000 | 133,165,000 | 243,565,000 | 376,353,000 |
| Pretax income | -50,796,000 | -23,607,000 | -190,798,000 | -1,385,210,000 |
| Income tax | -19,751,000 | -14,492,000 | -78,841,000 | -165,426,000 |
| Net income | -31,045,000 | -9,115,000 | -111,957,000 | -1,219,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,901,509,000 | 2,344,862,000 | 2,014,881,000 | 1,788,567,000 |
| Total capital | 2,343,440,000 | 3,116,166,000 | 2,821,824,000 | 2,597,298,000 |
| Risk-weighted assets | 19,318,330,000 | 24,720,362,000 | 24,548,169,000 | 24,614,410,000 |