RBC Bank, (Georgia) National Association in Atlanta, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


RBC Bank, (Georgia) National Association - Overview

  • General
  • FDIC Certificate #: 26342
    Status: Active
    Federal Reserve ID: 3783948
    Bank Holding Company (Regulatory Top Holder): Royal Bank Of Canada (RSSDID: 1232497, Location: Montreal)
    Date Established: August 30, 1985
    WWW: http://www.rbcbankusa.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 32882
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Credit Card Institutions: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Credit-Card Specialization
    Date of Deposit Insurance: August 30, 1985
    Last Structure Change Effective Date: September 14, 2010
    Last Structure Change Process Date: October 05, 2010
    Last Data Update: October 05, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 75 Fifth St Nw Suite 900, Atlanta, GA 30308
    County: Fulton
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Pensacola
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Atlanta, GA (#520)
    Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
    Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060)
    CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
  • Financial Summary
  • Total assets: $291.2 mil
    Equity capital: $51.0 mil
    Deposits held in domestic offices: $190.8 mil
    Return on assets (ROA): 0.58% ($1.7 mil)
    Quarterly return on assets: -1.87% (-$5.4 mil)
    Return on Equity (ROE): 2.99% ($1.5 mil)
    Quarterly return on equity: -9.99% (-$5.1 mil)
    Net income: $1.5 mil
    Quarterly Net income: -$1.3 mil
    Pretax return on assets: 0.20% ($582.4 mil)
    Quarterly Pretax return on assets: -3.05% (-$8,882.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 6Total employees (full-time equivalent)
  • $291,219Total assets
  • $34,422Cash and due from depository institutions
  • $10,084Interest-bearing balances
  • $3,737Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $226,059Net loans & leases
  • $17,784Loan loss allowance
  • $0Trading account assets
  • $8,886Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $291,219Life insurance assets
  • $18,115All other assets
  • $240,237Total liabilities and capital
  • $190,752Total liabilities
  • $190,000Total deposits
  • $190,752Interest-bearing deposits
  • $1Deposits held in domestic offices
  • 25000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $24,485Subordinated debt
  • $50,982All other liabilities
  • $50,982Total equity capital
  • $50,982Total bank equity capital
  • $0Perpetual preferred stock
  • $28Common stock
  • $54,242Surplus
  • $-3,288Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,430Income earned, not collected on loans
  • $0Earning assets
  • $15Long-term assets (5+ years)
  • $239,880Average Assets, year-to-date
  • $3,737Average Assets, quarterly
  • $263,241Volatile liabilities
  • $275,320Insider loans
  • $246,914FHLB advances
  • $248,750Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $38,115Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,332,328Restructured Loans and leases
  • $286Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,882Total interest income
  • $1,411Total interest expense
  • $20,471Net interest income
  • $9,415Provision for loan and lease losses
  • $21,531Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $21,531Additional noninterest income
  • $32,058Total noninterest expense
  • $14Salaries and employee benefits
  • $1Premises and equipment expense
  • $32,043Additional noninterest expense
  • $529Pre-tax net operating income
  • $0Securities gains (losses)
  • -$1,008Applicable income taxes
  • $1,537Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,537Net income attributable to bank
  • $0Net charge-offs
  • $1,537Cash dividends
  • $8,745Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 10.50%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 9.82%Net interest margin
  • 10.33%Noninterest income to earning assets
  • 15.38%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.20%Pretax return on assets
  • 2.99%Return on equity (ROE)
  • 2.99%Retained earnings to average equity (YTD only)
  • 3.99%Net charge-offs to loans
  • 107.66%Credit loss provision to net charge-offs
  • 1.14%Efficiency ratio
  • 76,325Assets per employee
  • 48.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 7.29%Loss allowance to noncurrent loans
  • 731.85%Noncurrent assets plus other real estate owned to assets
  • 0.83%Noncurrent loans to loans
  • 1.00%Net loans and leases to deposits
  • 118.51%Net loans and leases to core deposits
  • 30061.04%Equity capital to assets
  • 17.51%Core capital (leverage) ratio
  • 15.32%Tier 1 risk-based capital ratio
  • 15.44%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $263,241Average earning assets
  • $51,389Average equity
  • $208,446Average loans

List of branches

  • 1 Georgia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032882Rbc Bank, (Georgia) National Association75 Fifth St Nw Suite 900, Atlanta, GA 30308August 30, 1985Full Service Brick and Mortar

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