Call reports 2013
ROYAL BANKS OF MISSOURI — 2013
What ROYAL BANKS OF MISSOURI reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 419,251,000 | 429,861,000 | 419,875,000 | 427,154,000 |
| Total loans | 322,316,000 | 314,791,000 | 331,005,000 | 340,986,000 |
| Allowance for loan losses | 7,426,000 | 6,532,000 | 6,252,000 | 6,070,000 |
| Securities available for sale | 15,915,000 | 16,300,000 | 14,862,000 | 15,317,000 |
| Securities held to maturity | 39,581,000 | 39,587,000 | 41,847,000 | 41,289,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,325,000 | 378,192,000 | 365,678,000 | 373,174,000 |
| Interest-bearing deposits | 312,496,000 | 316,061,000 | 300,641,000 | 303,982,000 |
| Noninterest-bearing deposits | 55,830,000 | 62,130,000 | 65,037,000 | 69,193,000 |
| Equity capital | 49,321,000 | 49,596,000 | 50,645,000 | 51,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,116,000 | 8,327,000 | 12,517,000 | 16,757,000 |
| Interest expense | 663,000 | 1,328,000 | 1,916,000 | 2,486,000 |
| Net interest income | 3,453,000 | 6,999,000 | 10,601,000 | 14,271,000 |
| Noninterest income | 583,000 | 885,000 | 1,308,000 | 1,665,000 |
| Noninterest expense | 2,259,000 | 4,565,000 | 6,908,000 | 9,257,000 |
| Provision for loan losses | 250,000 | 401,000 | 403,000 | 409,000 |
| Pretax income | 1,527,000 | 2,918,000 | 4,598,000 | 6,270,000 |
| Income tax | 447,000 | 905,000 | 1,454,000 | 2,011,000 |
| Net income | 1,080,000 | 2,013,000 | 3,144,000 | 4,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,212,000 | 49,768,000 | 50,899,000 | 51,745,000 |
| Total capital | 53,542,000 | 54,099,000 | 55,328,000 | 56,242,000 |
| Risk-weighted assets | 343,305,000 | 344,319,000 | 352,524,000 | 358,248,000 |