Call reports 2009
ROYAL BANKS OF MISSOURI — 2009
What ROYAL BANKS OF MISSOURI reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 443,140,000 | 466,300,000 | 441,053,000 | 458,226,000 |
| Total loans | 348,861,000 | 355,715,000 | 344,730,000 | 338,735,000 |
| Allowance for loan losses | 3,227,000 | 3,491,000 | 4,228,000 | 3,769,000 |
| Securities available for sale | 0 | 0 | 4,059,000 | 12,820,000 |
| Securities held to maturity | 58,552,000 | 58,736,000 | 56,850,000 | 49,890,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,330,000 | 411,607,000 | 359,171,000 | 404,460,000 |
| Interest-bearing deposits | 356,333,000 | 391,190,000 | 339,108,000 | 376,866,000 |
| Noninterest-bearing deposits | 23,997,000 | 20,417,000 | 20,063,000 | 27,594,000 |
| Equity capital | 38,480,000 | 38,707,000 | 38,682,000 | 39,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,167,000 | 10,565,000 | 15,873,000 | 21,129,000 |
| Interest expense | 2,476,000 | 4,869,000 | 6,941,000 | 8,567,000 |
| Net interest income | 2,691,000 | 5,696,000 | 8,932,000 | 12,562,000 |
| Noninterest income | 569,000 | 1,232,000 | 1,759,000 | 2,120,000 |
| Noninterest expense | 2,515,000 | 5,051,000 | 8,237,000 | 10,974,000 |
| Provision for loan losses | 165,000 | 693,000 | 1,441,000 | 1,984,000 |
| Pretax income | 580,000 | 1,184,000 | 1,013,000 | 1,724,000 |
| Income tax | 141,000 | 294,000 | 169,000 | 384,000 |
| Net income | 439,000 | 890,000 | 844,000 | 1,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,480,000 | 38,707,000 | 38,661,000 | 39,365,000 |
| Total capital | 41,707,000 | 42,198,000 | 42,889,000 | 43,134,000 |
| Risk-weighted assets | 369,249,000 | 376,600,000 | 356,595,000 | 364,832,000 |