Call reports 2004
ROYAL BANKS OF MISSOURI — 2004
What ROYAL BANKS OF MISSOURI 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 | 289,144,000 | 295,506,000 | 300,444,000 | 329,309,000 |
| Total loans | 217,202,000 | 226,127,000 | 237,611,000 | 250,237,000 |
| Allowance for loan losses | 2,787,000 | 2,815,000 | 2,806,000 | 2,794,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 48,830,000 | 43,151,000 | 38,000,000 | 53,866,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,264,000 | 254,728,000 | 252,894,000 | 283,029,000 |
| Interest-bearing deposits | 207,146,000 | 217,123,000 | 217,593,000 | 240,683,000 |
| Noninterest-bearing deposits | 35,118,000 | 37,605,000 | 35,301,000 | 42,346,000 |
| Equity capital | 26,723,000 | 27,370,000 | 27,879,000 | 28,414,000 |
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 | 3,217,000 | 6,421,000 | 9,960,000 | 13,813,000 |
| Interest expense | 983,000 | 1,967,000 | 3,122,000 | 4,463,000 |
| Net interest income | 2,234,000 | 4,454,000 | 6,838,000 | 9,350,000 |
| Noninterest income | 358,000 | 755,000 | 1,156,000 | 1,529,000 |
| Noninterest expense | 1,607,000 | 3,238,000 | 4,897,000 | 6,504,000 |
| Provision for loan losses | 75,000 | 100,000 | 100,000 | 103,000 |
| Pretax income | 910,000 | 1,871,000 | 2,997,000 | 4,272,000 |
| Income tax | 293,000 | 606,000 | 971,000 | 1,396,000 |
| Net income | 617,000 | 1,265,000 | 2,026,000 | 2,876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,723,000 | 27,370,000 | 27,879,000 | 28,414,000 |
| Total capital | 29,510,000 | 30,185,000 | 30,685,000 | 31,208,000 |
| Risk-weighted assets | 246,393,000 | 245,555,000 | 267,822,000 | 273,181,000 |