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
No
ID
Name
Address
Established
Service Type
Map
0
480906
R Bank
1900 Round Rock Avenue, Round Rock, TX 78681
June 22, 2009
Full Service Brick and Mortar
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