Call reports 2021
ROYAL BANKS OF MISSOURI — 2021
What ROYAL BANKS OF MISSOURI reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 885,054,000 | 906,236,000 | 1,039,809,000 | 1,088,555,000 |
| Total loans | 603,033,000 | 613,190,000 | 695,031,000 | 704,999,000 |
| Allowance for loan losses | 5,726,000 | 5,674,000 | 5,762,000 | 5,798,000 |
| Securities available for sale | 49,874,000 | 47,624,000 | 56,669,000 | 51,593,000 |
| Securities held to maturity | 3,134,000 | 3,049,000 | 2,966,000 | 2,400,000 |
| Trading assets | 946,000 | 938,000 | 677,000 | 936,000 |
| Total deposits | 758,755,000 | 781,588,000 | 896,492,000 | 944,844,000 |
| Interest-bearing deposits | 601,722,000 | 610,786,000 | 709,109,000 | 746,293,000 |
| Noninterest-bearing deposits | 157,033,000 | 170,802,000 | 187,383,000 | 198,551,000 |
| Equity capital | 118,172,000 | 116,447,000 | 129,626,000 | 131,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 6,695,000 | 13,673,000 | 21,871,000 | 29,388,000 |
| Interest expense | 1,035,000 | 2,068,000 | 3,069,000 | 3,572,000 |
| Net interest income | 5,660,000 | 11,605,000 | 18,802,000 | 25,816,000 |
| Noninterest income | 642,000 | 1,282,000 | 1,844,000 | 2,639,000 |
| Noninterest expense | 3,883,000 | 7,681,000 | 12,392,000 | 17,332,000 |
| Provision for loan losses | 46,000 | 81,000 | 122,000 | 175,000 |
| Pretax income | 2,373,000 | 5,125,000 | 8,241,000 | 10,990,000 |
| Income tax | 526,000 | 1,161,000 | 1,707,000 | 2,176,000 |
| Net income | 1,847,000 | 3,964,000 | 6,534,000 | 8,814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,789,000 | 96,842,000 | 109,388,000 | 111,984,000 |
| Total capital | 104,515,000 | 102,516,000 | 115,150,000 | 117,782,000 |
| Risk-weighted assets | 688,836,000 | 702,985,000 | 807,065,000 | 821,541,000 |
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