Call reports 2020
ROYAL BANKS OF MISSOURI — 2020
What ROYAL BANKS OF MISSOURI reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 693,947,000 | 760,832,000 | 848,154,000 | 864,812,000 |
| Total loans | 554,597,000 | 631,577,000 | 643,106,000 | 598,283,000 |
| Allowance for loan losses | 4,534,000 | 5,480,000 | 5,549,000 | 5,673,000 |
| Securities available for sale | 38,261,000 | 55,286,000 | 51,476,000 | 49,813,000 |
| Securities held to maturity | 5,255,000 | 4,640,000 | 4,505,000 | 3,948,000 |
| Trading assets | 1,944,000 | 1,967,000 | 964,000 | 957,000 |
| Total deposits | 574,709,000 | 601,395,000 | 722,783,000 | 739,810,000 |
| Interest-bearing deposits | 499,716,000 | 491,179,000 | 595,469,000 | 603,626,000 |
| Noninterest-bearing deposits | 74,993,000 | 110,216,000 | 127,314,000 | 136,184,000 |
| Equity capital | 112,330,000 | 113,888,000 | 115,813,000 | 117,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 7,254,000 | 15,848,000 | 22,994,000 | 29,487,000 |
| Interest expense | 2,145,000 | 3,966,000 | 5,550,000 | 6,788,000 |
| Net interest income | 5,109,000 | 11,882,000 | 17,444,000 | 22,699,000 |
| Noninterest income | 444,000 | 890,000 | 1,523,000 | 2,316,000 |
| Noninterest expense | 3,448,000 | 6,916,000 | 10,637,000 | 14,261,000 |
| Provision for loan losses | 60,000 | 1,121,000 | 1,202,000 | 1,257,000 |
| Pretax income | 2,261,000 | 5,073,000 | 7,469,000 | 9,839,000 |
| Income tax | 511,000 | 1,192,000 | 1,728,000 | 2,201,000 |
| Net income | 1,750,000 | 3,881,000 | 5,741,000 | 7,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,745,000 | 104,884,000 | 96,311,000 | 97,867,000 |
| Total capital | 108,279,000 | 110,364,000 | 101,860,000 | 103,540,000 |
| Risk-weighted assets | 656,304,000 | 688,992,000 | 709,516,000 | 682,067,000 |