Call reports 2005
ROYAL BANKS OF MISSOURI — 2005
What ROYAL BANKS OF MISSOURI 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 | 338,049,000 | 328,908,000 | 323,801,000 | 334,327,000 |
| Total loans | 250,454,000 | 257,174,000 | 251,756,000 | 253,795,000 |
| Allowance for loan losses | 2,761,000 | 2,775,000 | 2,798,000 | 2,813,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 62,381,000 | 46,072,000 | 46,694,000 | 53,574,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,231,000 | 273,498,000 | 262,722,000 | 285,622,000 |
| Interest-bearing deposits | 234,584,000 | 237,073,000 | 227,647,000 | 242,263,000 |
| Noninterest-bearing deposits | 31,647,000 | 36,425,000 | 35,075,000 | 43,359,000 |
| Equity capital | 29,275,000 | 29,797,000 | 30,730,000 | 31,215,000 |
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 | 4,334,000 | 8,765,000 | 13,543,000 | 18,433,000 |
| Interest expense | 1,718,000 | 3,561,000 | 5,577,000 | 7,737,000 |
| Net interest income | 2,616,000 | 5,204,000 | 7,966,000 | 10,696,000 |
| Noninterest income | 374,000 | 756,000 | 1,149,000 | 1,511,000 |
| Noninterest expense | 1,746,000 | 3,383,000 | 5,091,000 | 6,874,000 |
| Provision for loan losses | 0 | 21,000 | 56,000 | 111,000 |
| Pretax income | 1,237,000 | 2,549,000 | 3,961,000 | 5,215,000 |
| Income tax | 366,000 | 807,000 | 1,286,000 | 1,749,000 |
| Net income | 871,000 | 1,742,000 | 2,675,000 | 3,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,275,000 | 29,797,000 | 30,730,000 | 31,215,000 |
| Total capital | 32,036,000 | 32,572,000 | 33,528,000 | 34,028,000 |
| Risk-weighted assets | 277,949,000 | 280,653,000 | 279,999,000 | 280,614,000 |