Call reports 2015
ROYAL BANKS OF MISSOURI — 2015
What ROYAL BANKS OF MISSOURI reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 419,128,000 | 404,857,000 | 413,079,000 | 422,160,000 |
| Total loans | 333,132,000 | 321,066,000 | 331,203,000 | 338,907,000 |
| Allowance for loan losses | 4,615,000 | 4,538,000 | 4,481,000 | 4,548,000 |
| Securities available for sale | 16,633,000 | 16,625,000 | 16,113,000 | 16,178,000 |
| Securities held to maturity | 36,189,000 | 33,910,000 | 32,662,000 | 30,412,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,914,000 | 338,985,000 | 328,201,000 | 347,991,000 |
| Interest-bearing deposits | 294,317,000 | 281,372,000 | 274,537,000 | 291,665,000 |
| Noninterest-bearing deposits | 56,597,000 | 57,613,000 | 53,664,000 | 56,326,000 |
| Equity capital | 56,709,000 | 57,407,000 | 58,217,000 | 59,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,328,000 | 8,297,000 | 12,090,000 | 16,048,000 |
| Interest expense | 479,000 | 959,000 | 1,434,000 | 1,912,000 |
| Net interest income | 3,849,000 | 7,338,000 | 10,656,000 | 14,136,000 |
| Noninterest income | 369,000 | 840,000 | 1,235,000 | 1,593,000 |
| Noninterest expense | 2,365,000 | 4,604,000 | 6,879,000 | 9,042,000 |
| Provision for loan losses | 3,000 | 5,000 | 10,000 | 68,000 |
| Pretax income | 1,850,000 | 3,636,000 | 5,069,000 | 6,686,000 |
| Income tax | 622,000 | 1,198,000 | 1,647,000 | 2,165,000 |
| Net income | 1,228,000 | 2,438,000 | 3,422,000 | 4,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,788,000 | 57,520,000 | 58,436,000 | 59,390,000 |
| Total capital | 61,368,000 | 61,987,000 | 62,917,000 | 63,938,000 |
| Risk-weighted assets | 366,393,000 | 357,307,000 | 376,501,000 | 374,607,000 |