Call reports 2003
ROYAL BANKS OF MISSOURI — 2003
What ROYAL BANKS OF MISSOURI reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 277,149,000 | 278,210,000 | 279,695,000 | 292,141,000 |
| Total loans | 204,379,000 | 207,579,000 | 216,382,000 | 210,690,000 |
| Allowance for loan losses | 2,383,000 | 2,642,000 | 2,696,000 | 2,719,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 46,051,000 | 48,424,000 | 44,030,000 | 41,401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,751,000 | 234,037,000 | 234,720,000 | 250,741,000 |
| Interest-bearing deposits | 209,246,000 | 199,951,000 | 201,862,000 | 208,517,000 |
| Noninterest-bearing deposits | 32,505,000 | 34,086,000 | 32,858,000 | 42,224,000 |
| Equity capital | 24,684,000 | 25,138,000 | 25,730,000 | 26,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,318,000 | 6,608,000 | 9,790,000 | 13,048,000 |
| Interest expense | 1,128,000 | 2,251,000 | 3,311,000 | 4,310,000 |
| Net interest income | 2,190,000 | 4,357,000 | 6,479,000 | 8,738,000 |
| Noninterest income | 339,000 | 902,000 | 1,314,000 | 1,474,000 |
| Noninterest expense | 1,578,000 | 3,039,000 | 4,642,000 | 6,062,000 |
| Provision for loan losses | 75,000 | 374,000 | 449,000 | 524,000 |
| Pretax income | 876,000 | 1,846,000 | 2,702,000 | 3,626,000 |
| Income tax | 292,000 | 628,000 | 892,000 | 1,195,000 |
| Net income | 584,000 | 1,218,000 | 1,810,000 | 2,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,684,000 | 25,138,000 | 25,730,000 | 26,105,000 |
| Total capital | 27,067,000 | 27,780,000 | 28,426,000 | 28,824,000 |
| Risk-weighted assets | 233,560,000 | 244,942,000 | 252,625,000 | 237,632,000 |