Call reports 2011
ROYAL BANKS OF MISSOURI — 2011
What ROYAL BANKS OF MISSOURI reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 433,093,000 | 417,516,000 | 412,625,000 | 414,514,000 |
| Total loans | 311,491,000 | 312,114,000 | 309,877,000 | 321,398,000 |
| Allowance for loan losses | 6,015,000 | 6,461,000 | 5,474,000 | 5,765,000 |
| Securities available for sale | 15,567,000 | 18,299,000 | 18,400,000 | 15,735,000 |
| Securities held to maturity | 45,985,000 | 44,242,000 | 43,385,000 | 44,349,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 384,324,000 | 367,065,000 | 362,359,000 | 363,251,000 |
| Interest-bearing deposits | 336,879,000 | 319,590,000 | 301,357,000 | 311,471,000 |
| Noninterest-bearing deposits | 47,446,000 | 47,475,000 | 61,003,000 | 51,780,000 |
| Equity capital | 42,321,000 | 43,028,000 | 44,330,000 | 45,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,785,000 | 9,503,000 | 14,070,000 | 18,679,000 |
| Interest expense | 1,008,000 | 1,945,000 | 2,827,000 | 3,641,000 |
| Net interest income | 3,777,000 | 7,558,000 | 11,243,000 | 15,038,000 |
| Noninterest income | 453,000 | 884,000 | 1,609,000 | 2,122,000 |
| Noninterest expense | 2,481,000 | 4,881,000 | 7,400,000 | 9,772,000 |
| Provision for loan losses | 904,000 | 1,430,000 | 1,702,000 | 2,198,000 |
| Pretax income | 845,000 | 2,131,000 | 3,750,000 | 5,190,000 |
| Income tax | 272,000 | 697,000 | 1,243,000 | 1,689,000 |
| Net income | 573,000 | 1,434,000 | 2,507,000 | 3,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,300,000 | 42,851,000 | 43,924,000 | 45,247,000 |
| Total capital | 46,564,000 | 47,046,000 | 48,174,000 | 49,597,000 |
| Risk-weighted assets | 339,392,000 | 333,350,000 | 338,829,000 | 346,594,000 |