Call reports 2016
ROYAL BANKS OF MISSOURI — 2016
What ROYAL BANKS OF MISSOURI reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 416,641,000 | 404,264,000 | 638,060,000 | 677,158,000 |
| Total loans | 340,643,000 | 328,219,000 | 507,676,000 | 546,600,000 |
| Allowance for loan losses | 4,545,000 | 3,426,000 | 4,313,000 | 5,632,000 |
| Securities available for sale | 15,277,000 | 14,969,000 | 34,429,000 | 34,098,000 |
| Securities held to maturity | 28,281,000 | 22,937,000 | 16,746,000 | 16,001,000 |
| Trading assets | 0 | 0 | 3,909,000 | 3,832,000 |
| Total deposits | 338,388,000 | 318,421,000 | 512,702,000 | 554,675,000 |
| Interest-bearing deposits | 284,798,000 | 256,306,000 | 444,846,000 | 456,347,000 |
| Noninterest-bearing deposits | 53,590,000 | 62,115,000 | 67,856,000 | 98,328,000 |
| Equity capital | 60,078,000 | 60,622,000 | 97,325,000 | 97,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,054,000 | 7,899,000 | 14,587,000 | 20,504,000 |
| Interest expense | 493,000 | 970,000 | 1,836,000 | 2,690,000 |
| Net interest income | 3,561,000 | 6,929,000 | 12,751,000 | 17,814,000 |
| Noninterest income | 342,000 | 699,000 | 1,604,000 | 3,663,000 |
| Noninterest expense | 2,342,000 | 4,820,000 | 8,372,000 | 11,930,000 |
| Provision for loan losses | 8,000 | -184,000 | 692,000 | 2,590,000 |
| Pretax income | 1,553,000 | 3,096,000 | 5,395,000 | 7,061,000 |
| Income tax | 494,000 | 1,018,000 | 1,772,000 | 2,133,000 |
| Net income | 1,059,000 | 2,078,000 | 3,623,000 | 4,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,276,000 | 60,959,000 | 88,845,000 | 87,156,000 |
| Total capital | 64,821,000 | 64,385,000 | 93,158,000 | 92,788,000 |
| Risk-weighted assets | 388,994,000 | 376,511,000 | 595,745,000 | 646,393,000 |