Royal Bank America in Narberth, Pennsylvania (PA), NJ
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Royal Bank America in Narberth, Pennsylvania (PA), NJ
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Royal Bank America - Overview

  • General
  • FDIC Certificate #: 18962
    Status: Active
    Federal Reserve ID: 471217
    Bank Holding Company (Regulatory Top Holder): Royal Bancshares Of Pennsylvania, Inc. (RSSDID: 2324429, Location: Narberth, PA)
    Date Established: December 05, 1963
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 15 (Domestic: 15, Interstate: Yes)
    OTS Docket #: 11930
    FDIC's unique #: 12807
    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: December 05, 1963
    Last Structure Change Effective Date: August 06, 2009
    Last Structure Change Process Date: August 06, 2009
    Last Data Update: August 06, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 732 Montgomery Avenue, Narberth, PA 19072
    County: Montgomery
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Philadelphia, PA (#37964)
  • Financial Summary
  • Total assets: $840.7 mil
    Equity capital: $63.6 mil
    Deposits held in domestic offices: $582.2 mil
    Return on assets (ROA): -0.86% (-$7.2 mil)
    Quarterly return on assets: -0.36% (-$3.0 mil)
    Return on Equity (ROE): -11.47% (-$7.3 mil)
    Quarterly return on equity: -4.76% (-$3.0 mil)
    Net income: -$7.7 mil
    Quarterly Net income: -$0.8 mil
    Pretax return on assets: -0.86% (-$7,230.4 mil)
    Quarterly Pretax return on assets: -0.36% (-$3,026.7 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
  • 152Total employees (full-time equivalent)
  • $840,743Total assets
  • $24,500Cash and due from depository institutions
  • $15,309Interest-bearing balances
  • $324,516Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $410,477Net loans & leases
  • $16,380Loan loss allowance
  • $0Trading account assets
  • $5,393Bank premises and fixed assets
  • $20,641Other real estate owned
  • $0Goodwill and other intangibles
  • $840,743Life insurance assets
  • $55,216All other assets
  • $751,063Total liabilities and capital
  • $582,214Total liabilities
  • $521,382Total deposits
  • $582,214Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $148,000Trading liabilities
  • $0Other borrowed funds
  • $20,849Subordinated debt
  • $89,680All other liabilities
  • $63,622Total equity capital
  • $63,622Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $96,186Surplus
  • $-32,764Undivided profits
  • Memoranda
  • $26,058Noncurrent loans and leases
  • $12,569Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $51,473Income earned, not collected on loans
  • $0Earning assets
  • $15,470Long-term assets (5+ years)
  • $750,302Average Assets, year-to-date
  • $113,077Average Assets, quarterly
  • $897,011Volatile liabilities
  • $845,164Insider loans
  • $560,750FHLB advances
  • $842,622Loans and leases held for sale
  • $16,631Unused loan commitments
  • $16,631Tier 1 (core) risk-based capital
  • $88,457Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,673Restructured Loans and leases
  • $8,829Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $39,348Total interest income
  • $14,106Total interest expense
  • $25,242Net interest income
  • $7,501Provision for loan and lease losses
  • $6,553Total noninterest income
  • $0Fiduciary activities
  • $313Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,240Additional noninterest income
  • $30,525Total noninterest expense
  • $11,045Salaries and employee benefits
  • $2,233Premises and equipment expense
  • $17,247Additional noninterest expense
  • -$6,231Pre-tax net operating income
  • -$634Securities gains (losses)
  • $0Applicable income taxes
  • -$6,865Income before extraordinary items
  • $0Extraordinary gains - net
  • -$7,740Net income attributable to bank
  • $875Net charge-offs
  • -$6,865Cash dividends
  • $12,250Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.97%Yield on earning assets
  • 1.78%Cost of funding earning assets
  • 3.19%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 3.86%Noninterest expense to earning assets
  • -0.69%Net operating income to assets
  • -0.86%Return on assets (ROA)
  • -0.86%Pretax return on assets
  • -11.47%Return on equity (ROE)
  • -11.47%Retained earnings to average equity (YTD only)
  • 2.60%Net charge-offs to loans
  • 61.23%Credit loss provision to net charge-offs
  • 0.10%Efficiency ratio
  • 96,006Assets per employee
  • 5.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.84%Loss allowance to noncurrent loans
  • 31.82%Noncurrent assets plus other real estate owned to assets
  • 8.58%Noncurrent loans to loans
  • 12.06%Net loans and leases to deposits
  • 70.50%Net loans and leases to core deposits
  • 72.21%Equity capital to assets
  • 7.57%Core capital (leverage) ratio
  • 10.50%Tier 1 risk-based capital ratio
  • 15.77%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $897,011Average earning assets
  • $67,461Average equity
  • $791,244Average loans

List of branches

  • 1 New Jersey Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    19420383Turnersville Branch3501 Black Horse Pike, Turnersville, NJ 8012September 30, 2002Full Service Brick and Mortar
  • 14 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012807Royal Bank America732 Montgomery Avenue, Narberth, PA 19072December 05, 1963Full Service Brick and Mortar
    1246957Station Center BranchBeidler And Henderson Roads, King Of Prussia, PA 19406September 15, 1966Full Service Brick and Mortar
    2246958Schuylkill Township Branch808 Valley Forge Road, Schuylkill Township, PA 19460September 14, 1973Full Service Brick and Mortar
    3246959Lower Providence BranchEgypt And Trooper Roads, Lower Providence Township, PA 19401March 12, 1976Full Service Brick and Mortar
    4246960Bridgeport Branch105 West Fourth Street, Bridgeport, PA 19405March 19, 1976Full Service Brick and Mortar
    5246961King Of Prussia Branch655 West Dekalb Pike, King Of Prussia, PA 19406April 12, 1982Full Service Brick and Mortar
    6246962Walnut Street Branch1230 Walnut Street, Philadelphia, PA 19107June 04, 1984Full Service Brick and Mortar
    7246963One Penn Square West Branch30 South Fifteenth Street, Philadelphia, PA 19102December 17, 1985Full Service Brick and Mortar
    8246964Jenkintown Branch600 Old York Road, Jenkintown, PA 19046November 15, 1989Full Service Brick and Mortar
    1017948Shillington BranchLancaster Avenue And Mifflin Boulevard, Shillington, PA 19607January 01, 1900Full Service Brick and Mortar
    12291636Radnor Township Branch801 Lancaster Avenue, Villanova, PA 19085May 30, 1989Full Service Brick and Mortar
    1447532Marian State Branch401 Fairmount Avenue, Philadelphia, PA 19123April 20, 1992Full Service Brick and Mortar
    17365294Grant Ave Branch1650 Grant Ave, Philadelphia, PA 19115January 15, 2002Full Service Brick and Mortar
    18419508Castor Avenue Branch6331 Castor Ave, Philadelphia, PA 19149June 22, 2001Full Service Brick and Mortar

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