Call reports 2024
ROYAL BANKS OF MISSOURI — 2024
What ROYAL BANKS OF MISSOURI reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,019,214,000 | 1,024,275,000 | 1,042,519,000 | 1,045,716,000 |
| Total loans | 732,698,000 | 743,305,000 | 775,758,000 | 763,560,000 |
| Allowance for loan losses | 5,543,000 | 5,670,000 | 5,428,000 | 4,996,000 |
| Securities available for sale | 67,880,000 | 66,842,000 | 66,000,000 | 64,262,000 |
| Securities held to maturity | 1,105,000 | 1,089,000 | 1,077,000 | 365,000 |
| Trading assets | 498,000 | 250,000 | 0 | 0 |
| Total deposits | 874,378,000 | 878,487,000 | 893,064,000 | 922,488,000 |
| Interest-bearing deposits | 708,238,000 | 706,152,000 | 710,839,000 | 746,076,000 |
| Noninterest-bearing deposits | 166,140,000 | 172,335,000 | 182,225,000 | 176,412,000 |
| Equity capital | 137,764,000 | 139,752,000 | 138,781,000 | 116,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 12,686,000 | 25,654,000 | 39,138,000 | 52,576,000 |
| Interest expense | 5,130,000 | 10,303,000 | 17,294,000 | 22,795,000 |
| Net interest income | 7,556,000 | 15,351,000 | 21,844,000 | 29,781,000 |
| Noninterest income | 706,000 | 1,934,000 | 2,789,000 | 3,589,000 |
| Noninterest expense | 5,841,000 | 11,677,000 | 17,585,000 | 23,492,000 |
| Provision for loan losses | 146,000 | 337,000 | 417,000 | -4,000 |
| Pretax income | 2,372,000 | 5,477,000 | 6,867,000 | 10,106,000 |
| Income tax | 497,000 | 1,084,000 | 1,301,000 | 1,993,000 |
| Net income | 1,875,000 | 4,393,000 | 5,566,000 | 8,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 121,386,000 | 123,445,000 | 121,308,000 | 100,019,000 |
| Total capital | 127,148,000 | 129,208,000 | 126,805,000 | 105,106,000 |
| Risk-weighted assets | 853,895,000 | 855,646,000 | 879,671,000 | 864,446,000 |