Call reports 2023
ROYAL BANKS OF MISSOURI — 2023
What ROYAL BANKS OF MISSOURI reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,012,365,000 | 1,009,702,000 | 1,009,337,000 | 1,043,886,000 |
| Total loans | 693,683,000 | 671,381,000 | 673,395,000 | 743,261,000 |
| Allowance for loan losses | 5,548,000 | 5,600,000 | 5,430,000 | 5,426,000 |
| Securities available for sale | 141,400,000 | 119,260,000 | 117,112,000 | 118,494,000 |
| Securities held to maturity | 1,444,000 | 1,419,000 | 1,144,000 | 1,124,000 |
| Trading assets | 741,000 | 492,000 | 493,000 | 497,000 |
| Total deposits | 873,677,000 | 868,691,000 | 868,115,000 | 898,745,000 |
| Interest-bearing deposits | 696,679,000 | 687,195,000 | 698,537,000 | 722,558,000 |
| Noninterest-bearing deposits | 176,998,000 | 181,496,000 | 169,578,000 | 176,187,000 |
| Equity capital | 131,949,000 | 133,387,000 | 133,666,000 | 137,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 10,730,000 | 21,827,000 | 33,437,000 | 45,520,000 |
| Interest expense | 2,899,000 | 6,332,000 | 10,531,000 | 15,404,000 |
| Net interest income | 7,831,000 | 15,495,000 | 22,906,000 | 30,116,000 |
| Noninterest income | 694,000 | 2,449,000 | 3,191,000 | 3,875,000 |
| Noninterest expense | 5,406,000 | 11,502,000 | 16,883,000 | 22,397,000 |
| Provision for loan losses | 47,000 | 94,000 | -49,000 | -66,000 |
| Pretax income | 3,092,000 | 6,379,000 | 9,083,000 | 11,430,000 |
| Income tax | 671,000 | 1,395,000 | 1,976,000 | 2,468,000 |
| Net income | 2,421,000 | 4,984,000 | 7,107,000 | 8,962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 116,759,000 | 118,803,000 | 119,507,000 | 121,296,000 |
| Total capital | 122,307,000 | 124,403,000 | 125,159,000 | 127,031,000 |
| Risk-weighted assets | 849,557,000 | 809,491,000 | 812,970,000 | 864,690,000 |