Call reports 2002
ROYAL BANKS OF MISSOURI — 2002
What ROYAL BANKS OF MISSOURI reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 263,012,000 | 260,506,000 | 256,239,000 | 276,724,000 |
| Total loans | 189,312,000 | 183,703,000 | 187,362,000 | 206,266,000 |
| Allowance for loan losses | 1,988,000 | 2,028,000 | 2,087,000 | 2,320,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 53,908,000 | 48,218,000 | 44,319,000 | 45,858,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,927,000 | 230,132,000 | 222,238,000 | 236,054,000 |
| Interest-bearing deposits | 196,171,000 | 197,348,000 | 192,328,000 | 199,583,000 |
| Noninterest-bearing deposits | 31,756,000 | 32,784,000 | 29,910,000 | 36,471,000 |
| Equity capital | 22,835,000 | 23,145,000 | 23,698,000 | 24,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,502,000 | 6,979,000 | 10,447,000 | 13,818,000 |
| Interest expense | 1,393,000 | 2,748,000 | 4,081,000 | 5,259,000 |
| Net interest income | 2,109,000 | 4,231,000 | 6,366,000 | 8,559,000 |
| Noninterest income | 754,000 | 1,071,000 | 1,391,000 | 1,746,000 |
| Noninterest expense | 1,605,000 | 3,220,000 | 4,772,000 | 6,360,000 |
| Provision for loan losses | 75,000 | 150,000 | 240,000 | 345,000 |
| Pretax income | 1,183,000 | 1,932,000 | 2,745,000 | 3,600,000 |
| Income tax | 414,000 | 661,000 | 921,000 | 1,210,000 |
| Net income | 769,000 | 1,271,000 | 1,824,000 | 2,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,835,000 | 23,145,000 | 23,698,000 | 24,100,000 |
| Total capital | 24,823,000 | 25,173,000 | 25,785,000 | 26,420,000 |
| Risk-weighted assets | 210,460,000 | 211,527,000 | 213,065,000 | 233,679,000 |