Call reports 2008
ROYAL BANKS OF MISSOURI — 2008
What ROYAL BANKS OF MISSOURI reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 386,107,000 | 405,364,000 | 415,073,000 | 433,580,000 |
| Total loans | 302,626,000 | 316,317,000 | 331,828,000 | 340,041,000 |
| Allowance for loan losses | 2,770,000 | 2,600,000 | 3,583,000 | 3,061,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 57,219,000 | 59,023,000 | 57,541,000 | 56,857,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,708,000 | 292,971,000 | 339,031,000 | 383,255,000 |
| Interest-bearing deposits | 302,474,000 | 272,500,000 | 323,383,000 | 369,839,000 |
| Noninterest-bearing deposits | 18,234,000 | 20,471,000 | 15,648,000 | 13,416,000 |
| Equity capital | 37,482,000 | 38,030,000 | 37,616,000 | 38,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,780,000 | 11,277,000 | 16,937,000 | 22,389,000 |
| Interest expense | 2,985,000 | 5,498,000 | 8,149,000 | 10,745,000 |
| Net interest income | 2,795,000 | 5,779,000 | 8,788,000 | 11,644,000 |
| Noninterest income | 451,000 | 954,000 | 1,426,000 | 1,876,000 |
| Noninterest expense | 2,196,000 | 4,386,000 | 6,510,000 | 8,962,000 |
| Provision for loan losses | 30,000 | 46,000 | 1,148,000 | 1,148,000 |
| Pretax income | 1,020,000 | 2,301,000 | 2,556,000 | 3,410,000 |
| Income tax | 270,000 | 679,000 | 726,000 | 965,000 |
| Net income | 750,000 | 1,622,000 | 1,830,000 | 2,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,482,000 | 38,030,000 | 37,616,000 | 38,041,000 |
| Total capital | 40,252,000 | 40,630,000 | 41,199,000 | 41,102,000 |
| Risk-weighted assets | 329,865,000 | 345,959,000 | 357,349,000 | 369,311,000 |
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