Call reports 2007
ROYAL BANKS OF MISSOURI — 2007
What ROYAL BANKS OF MISSOURI reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 369,357,000 | 386,225,000 | 380,883,000 | 378,226,000 |
| Total loans | 289,337,000 | 300,641,000 | 299,482,000 | 291,896,000 |
| Allowance for loan losses | 3,001,000 | 3,063,000 | 2,745,000 | 2,738,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 54,265,000 | 55,029,000 | 54,804,000 | 54,682,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,730,000 | 309,919,000 | 301,216,000 | 322,307,000 |
| Interest-bearing deposits | 300,681,000 | 289,935,000 | 285,917,000 | 302,952,000 |
| Noninterest-bearing deposits | 11,049,000 | 19,984,000 | 15,299,000 | 19,355,000 |
| Equity capital | 34,777,000 | 35,313,000 | 36,226,000 | 36,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,370,000 | 12,863,000 | 19,525,000 | 25,892,000 |
| Interest expense | 3,474,000 | 7,005,000 | 10,564,000 | 13,851,000 |
| Net interest income | 2,896,000 | 5,858,000 | 8,961,000 | 12,041,000 |
| Noninterest income | 373,000 | 755,000 | 1,284,000 | 1,770,000 |
| Noninterest expense | 2,124,000 | 4,118,000 | 6,299,000 | 8,538,000 |
| Provision for loan losses | 0 | 63,000 | 174,000 | 179,000 |
| Pretax income | 1,145,000 | 2,432,000 | 3,772,000 | 5,094,000 |
| Income tax | 286,000 | 694,000 | 1,121,000 | 1,537,000 |
| Net income | 859,000 | 1,738,000 | 2,651,000 | 3,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,777,000 | 35,313,000 | 36,226,000 | 36,732,000 |
| Total capital | 37,778,000 | 38,376,000 | 38,971,000 | 39,470,000 |
| Risk-weighted assets | 318,539,000 | 344,451,000 | 338,915,000 | 320,456,000 |