Call reports 2019
ROYAL BANKS OF MISSOURI — 2019
What ROYAL BANKS OF MISSOURI reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 710,811,000 | 687,494,000 | 667,979,000 | 697,229,000 |
| Total loans | 556,922,000 | 551,558,000 | 549,849,000 | 562,939,000 |
| Allowance for loan losses | 4,663,000 | 4,780,000 | 4,602,000 | 4,473,000 |
| Securities available for sale | 39,552,000 | 40,368,000 | 38,633,000 | 35,612,000 |
| Securities held to maturity | 8,205,000 | 7,781,000 | 7,612,000 | 7,101,000 |
| Trading assets | 3,672,000 | 3,682,000 | 3,200,000 | 2,441,000 |
| Total deposits | 596,290,000 | 570,347,000 | 544,131,000 | 577,465,000 |
| Interest-bearing deposits | 516,032,000 | 492,396,000 | 468,720,000 | 498,887,000 |
| Noninterest-bearing deposits | 80,258,000 | 77,951,000 | 75,411,000 | 78,578,000 |
| Equity capital | 109,310,000 | 110,310,000 | 111,366,000 | 112,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,621,000 | 15,662,000 | 23,347,000 | 30,926,000 |
| Interest expense | 2,192,000 | 4,415,000 | 6,651,000 | 8,831,000 |
| Net interest income | 5,429,000 | 11,247,000 | 16,696,000 | 22,095,000 |
| Noninterest income | 422,000 | 892,000 | 1,237,000 | 1,691,000 |
| Noninterest expense | 3,493,000 | 7,050,000 | 10,311,000 | 13,829,000 |
| Provision for loan losses | 138,000 | 763,000 | 979,000 | 1,062,000 |
| Pretax income | 2,220,000 | 4,326,000 | 6,643,000 | 8,895,000 |
| Income tax | 482,000 | 961,000 | 1,487,000 | 1,942,000 |
| Net income | 1,738,000 | 3,365,000 | 5,156,000 | 6,953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,680,000 | 101,479,000 | 102,517,000 | 103,469,000 |
| Total capital | 105,343,000 | 106,259,000 | 107,119,000 | 107,942,000 |
| Risk-weighted assets | 675,448,000 | 663,480,000 | 652,843,000 | 666,338,000 |