Call reports 2025
ROYAL BANKS OF MISSOURI — 2025
What ROYAL BANKS OF MISSOURI reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,036,882,000 | 1,026,200,000 | 1,044,368,000 | 1,052,433,000 |
| Total loans | 744,872,000 | 751,840,000 | 772,729,000 | 792,132,000 |
| Allowance for loan losses | 5,037,000 | 5,401,000 | 4,414,000 | 4,565,000 |
| Securities available for sale | 63,488,000 | 104,555,000 | 91,158,000 | 83,428,000 |
| Securities held to maturity | 354,000 | 344,000 | 331,000 | 323,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 909,589,000 | 895,692,000 | 912,318,000 | 917,577,000 |
| Interest-bearing deposits | 728,003,000 | 716,677,000 | 719,155,000 | 728,461,000 |
| Noninterest-bearing deposits | 181,586,000 | 179,015,000 | 193,163,000 | 189,116,000 |
| Equity capital | 118,235,000 | 120,397,000 | 121,666,000 | 124,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 13,052,000 | 26,660,000 | 40,943,000 | 55,117,000 |
| Interest expense | 5,528,000 | 10,824,000 | 15,982,000 | 20,856,000 |
| Net interest income | 7,524,000 | 15,836,000 | 24,961,000 | 34,261,000 |
| Noninterest income | 784,000 | 1,736,000 | 2,513,000 | 3,084,000 |
| Noninterest expense | 6,116,000 | 12,218,000 | 18,581,000 | 25,004,000 |
| Provision for loan losses | 62,000 | 448,000 | 1,397,000 | 1,581,000 |
| Pretax income | 2,119,000 | 4,931,000 | 7,520,000 | 10,760,000 |
| Income tax | 440,000 | 1,038,000 | 1,612,000 | 2,310,000 |
| Net income | 1,679,000 | 3,893,000 | 5,908,000 | 8,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,042,000 | 104,097,000 | 105,084,000 | 107,500,000 |
| Total capital | 107,173,000 | 109,562,000 | 109,537,000 | 112,136,000 |
| Risk-weighted assets | 853,951,000 | 858,825,000 | 880,145,000 | 901,222,000 |