R Bank in Round Rock, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

R Bank - Overview

  • General
  • FDIC Certificate #: 58935
    Status: Active
    Federal Reserve ID: 3821037
    Date Established: June 22, 2009
    WWW: http://www.rbanktexas.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 480906
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 22, 2009
    Last Structure Change Effective Date: June 22, 2009
    Last Structure Change Process Date: June 22, 2009
    Last Data Update: June 22, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1900 Round Rock Avenue, Round Rock, TX 78681
    County: Williamson
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640)
    Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
    Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420)
    CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    New Institution
  • Financial Summary
  • Total assets: $129.4 mil
    Equity capital: $18.7 mil
    Deposits held in domestic offices: $110.6 mil
    Return on assets (ROA): 1.00% ($1.3 mil)
    Quarterly return on assets: 2.58% ($3.3 mil)
    Return on Equity (ROE): 8.60% ($1.6 mil)
    Quarterly return on equity: 20.84% ($4.0 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 0.32% ($414.0 mil)
    Quarterly Pretax return on assets: 0.19% ($245.8 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 16Total employees (full-time equivalent)
  • $129,388Total assets
  • $16,494Cash and due from depository institutions
  • $12,420Interest-bearing balances
  • $32,395Securities
  • $8,525Federal funds sold & reverse repurchase agreements
  • $67,819Net loans & leases
  • $910Loan loss allowance
  • $0Trading account assets
  • $2,948Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $129,388Life insurance assets
  • $1,207All other assets
  • $110,696Total liabilities and capital
  • $110,579Total liabilities
  • $104,539Total deposits
  • $110,579Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $117Subordinated debt
  • $18,692All other liabilities
  • $18,692Total equity capital
  • $18,692Total bank equity capital
  • $0Perpetual preferred stock
  • $8,800Common stock
  • $10,997Surplus
  • $-1,105Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,547Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $336Long-term assets (5+ years)
  • $121,159Average Assets, year-to-date
  • $66,173Average Assets, quarterly
  • $108,932Volatile liabilities
  • $124,532Insider loans
  • $76,853FHLB advances
  • $125,602Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,346Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,472Restructured Loans and leases
  • $2,495Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,356Total interest income
  • $1,464Total interest expense
  • $2,892Net interest income
  • $458Provision for loan and lease losses
  • $275Total noninterest income
  • $0Fiduciary activities
  • $115Service charges on deposit accounts
  • $0Trading account gains & fees
  • $160Additional noninterest income
  • $2,436Total noninterest expense
  • $1,021Salaries and employee benefits
  • $264Premises and equipment expense
  • $1,151Additional noninterest expense
  • $273Pre-tax net operating income
  • $77Securities gains (losses)
  • -$743Applicable income taxes
  • $1,093Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,093Net income attributable to bank
  • $0Net charge-offs
  • $1,093Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.22%Yield on earning assets
  • 1.42%Cost of funding earning assets
  • 2.80%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 2.36%Noninterest expense to earning assets
  • 0.93%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 0.32%Pretax return on assets
  • 8.60%Return on equity (ROE)
  • 8.60%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 76,918Assets per employee
  • 8.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 61.33%Net loans and leases to core deposits
  • 70.57%Equity capital to assets
  • 14.45%Core capital (leverage) ratio
  • 14.61%Tier 1 risk-based capital ratio
  • 23.87%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $108,932Average earning assets
  • $12,713Average equity
  • $103,106Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0480906R Bank1900 Round Rock Avenue, Round Rock, TX 78681June 22, 2009Full Service Brick and Mortar

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