Call reports 2012
ROYAL BANKS OF MISSOURI — 2012
What ROYAL BANKS OF MISSOURI reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 417,394,000 | 399,905,000 | 405,186,000 | 418,363,000 |
| Total loans | 311,718,000 | 304,917,000 | 317,239,000 | 324,259,000 |
| Allowance for loan losses | 6,601,000 | 7,233,000 | 7,218,000 | 7,228,000 |
| Securities available for sale | 16,620,000 | 15,073,000 | 18,378,000 | 19,776,000 |
| Securities held to maturity | 41,938,000 | 40,416,000 | 39,115,000 | 37,642,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,340,000 | 348,395,000 | 340,377,000 | 368,608,000 |
| Interest-bearing deposits | 311,929,000 | 296,676,000 | 288,268,000 | 308,669,000 |
| Noninterest-bearing deposits | 54,411,000 | 51,719,000 | 52,110,000 | 59,940,000 |
| Equity capital | 46,244,000 | 46,383,000 | 47,467,000 | 48,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,581,000 | 8,928,000 | 13,086,000 | 17,379,000 |
| Interest expense | 784,000 | 1,548,000 | 2,306,000 | 3,008,000 |
| Net interest income | 3,797,000 | 7,380,000 | 10,780,000 | 14,371,000 |
| Noninterest income | 395,000 | 786,000 | 1,238,000 | 1,861,000 |
| Noninterest expense | 2,371,000 | 4,756,000 | 7,022,000 | 9,397,000 |
| Provision for loan losses | 817,000 | 1,447,000 | 1,447,000 | 1,447,000 |
| Pretax income | 1,371,000 | 2,330,000 | 3,916,000 | 5,755,000 |
| Income tax | 462,000 | 680,000 | 1,210,000 | 1,808,000 |
| Net income | 909,000 | 1,650,000 | 2,706,000 | 3,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,154,000 | 46,283,000 | 47,340,000 | 48,132,000 |
| Total capital | 50,412,000 | 50,446,000 | 51,618,000 | 52,453,000 |
| Risk-weighted assets | 338,315,000 | 329,983,000 | 339,313,000 | 342,833,000 |