Royal Bank in Elroy, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

Royal Bank - Overview

  • General
  • FDIC Certificate #: 13454
    Status: Active
    Federal Reserve ID: 532042
    Bank Holding Company (Regulatory Top Holder): Royal Bancshares, Inc. (RSSDID: 1491904, Location: Elroy, WI)
    Date Established: April 30, 1932
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 15 (Domestic: 15, Interstate: No)
    OTS Docket #: 12530
    FDIC's unique #: 8470
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 11, 2011
    Last Structure Change Process Date: Febuary 15, 2011
    Last Data Update: Febuary 15, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 202 Main Street, Elroy, WI 53929
    County: Juneau
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $309.8 mil
    Equity capital: $32.5 mil
    Deposits held in domestic offices: $257.1 mil
    Return on assets (ROA): 3.67% ($11.4 mil)
    Quarterly return on assets: 1.05% ($3.3 mil)
    Return on Equity (ROE): 35.47% ($11.7 mil)
    Quarterly return on equity: 10.00% ($3.3 mil)
    Net income: $10.6 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 5.79% ($17,934.8 mil)
    Quarterly Pretax return on assets: 1.47% ($4,553.4 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
  • 89Total employees (full-time equivalent)
  • $309,755Total assets
  • $18,804Cash and due from depository institutions
  • $10,671Interest-bearing balances
  • $78,984Securities
  • $1,345Federal funds sold & reverse repurchase agreements
  • $193,542Net loans & leases
  • $2,794Loan loss allowance
  • $0Trading account assets
  • $4,724Bank premises and fixed assets
  • $1,007Other real estate owned
  • $2,254Goodwill and other intangibles
  • $309,755Life insurance assets
  • $9,095All other assets
  • $277,250Total liabilities and capital
  • $257,111Total liabilities
  • $212,690Total deposits
  • $257,111Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 14516.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $300Trading liabilities
  • $0Other borrowed funds
  • $5,323Subordinated debt
  • $32,505All other liabilities
  • $32,505Total equity capital
  • $32,505Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $14,683Surplus
  • $17,702Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $924Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,976Income earned, not collected on loans
  • $0Earning assets
  • $1,573Long-term assets (5+ years)
  • $284,542Average Assets, year-to-date
  • $29,999Average Assets, quarterly
  • $288,848Volatile liabilities
  • $306,860Insider loans
  • $219,416FHLB advances
  • $305,106Loans and leases held for sale
  • $4,762Unused loan commitments
  • $4,762Tier 1 (core) risk-based capital
  • $29,054Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,666Restructured Loans and leases
  • $1,042Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,648Total interest income
  • $2,311Total interest expense
  • $12,337Net interest income
  • $1,434Provision for loan and lease losses
  • $14,842Total noninterest income
  • $0Fiduciary activities
  • $826Service charges on deposit accounts
  • $0Trading account gains & fees
  • $14,016Additional noninterest income
  • $9,015Total noninterest expense
  • $4,804Salaries and employee benefits
  • $1,092Premises and equipment expense
  • $3,119Additional noninterest expense
  • $16,730Pre-tax net operating income
  • $1Securities gains (losses)
  • $6,144Applicable income taxes
  • $10,587Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,587Net income attributable to bank
  • $0Net charge-offs
  • $10,587Cash dividends
  • $311Sale, conversion, retirement of capital stock, net
  • $2,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.52%Yield on earning assets
  • 0.87%Cost of funding earning assets
  • 4.65%Net interest margin
  • 5.59%Noninterest income to earning assets
  • 3.40%Noninterest expense to earning assets
  • 3.67%Net operating income to assets
  • 3.67%Return on assets (ROA)
  • 5.79%Pretax return on assets
  • 35.47%Return on equity (ROE)
  • 28.77%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 461.09%Credit loss provision to net charge-offs
  • 58.41%Efficiency ratio
  • 32,558Assets per employee
  • 3.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 18.89%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 46.75%Noncurrent assets plus other real estate owned to assets
  • 2.25%Noncurrent loans to loans
  • 3.04%Net loans and leases to deposits
  • 75.28%Net loans and leases to core deposits
  • 77.06%Equity capital to assets
  • 10.49%Core capital (leverage) ratio
  • 9.52%Tier 1 risk-based capital ratio
  • 13.24%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $288,848Average earning assets
  • $29,850Average equity
  • $265,413Average loans

List of branches

  • 15 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08470Royal Bank202 Main Street, Elroy, WI 53929April 30, 1932Full Service Brick and Mortar
    16124Lone Rock Branch252 S Oak Street, Lone Rock, WI 53556March 08, 1919Full Service Brick and Mortar
    2220319Avoca Branch102 North 4th Street, Avoca, WI 53506October 01, 1934Full Service Brick and Mortar
    3220320Spring Green Branch165 S Lexington Street, Spring Green, WI 53588October 29, 1990Full Service Brick and Mortar
    4273333Hillsboro Branch731 Water Avenue, Hillsboro, WI 54634October 31, 1934Full Service Brick and Mortar
    5221694Endeavor Branch551 South Church Street, Endeavor, WI 53930September 02, 1935Full Service Brick and Mortar
    6227291Camp Douglas Branch201 Main Street, Camp Douglas, WI 54618January 08, 1934Full Service Brick and Mortar
    76891Gays Mills Branch114 Hwy 171 East, Gays Mills, WI 54631September 01, 1904Full Service Brick and Mortar
    89073Cobb Branch104 W Main Street, Cobb, WI 53526March 18, 1910Full Service Brick and Mortar
    9221696Oxford Branch107 East Ormsby Street, Oxford, WI 53952October 04, 1902Full Service Brick and Mortar
    10363727Dickeyville Branch100 Splinter Avenue, Dickeyville, WI 53808May 07, 2002Full Service Brick and Mortar
    11280302185 South Main Street Branch185 South Main Street, Adams, WI 53910January 01, 1920Full Service Brick and Mortar
    12280303201 E Bridge St Branch201 E Bridge St, New Lisbon, WI 53950January 01, 1920Full Service Brick and Mortar
    13280305Mauston Branch523 St. Road 82 E, Mauston, WI 53948January 01, 1920Full Service Brick and Mortar
    158396Badger State Bank Branch201 East Amelia, Cassville, WI 53806January 01, 1910Full Service Brick and Mortar

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