Royal Bank America in Narberth, Pennsylvania (PA), NJ

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Royal Bank America
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)152
Total assets$840,743
Cash and due from depository institutions$24,500
Interest-bearing balances$15,309
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$410,477
Loan loss allowance $16,380
Trading account assets$0
Bank premises and fixed assets$5,393
Other real estate owned$20,641
Goodwill and other intangibles$0
All other assets$55,216
Life insurance assets$840,743
Total liabilities and capital$751,063
Total liabilities$582,214
Total deposits$521,382
Interest-bearing deposits$582,214
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$148,000
Other borrowed funds $0
Subordinated debt $20,849
All other liabilities $89,680
Total equity capital$63,622
Total bank equity capital$63,622
Perpetual preferred stock$0
Common stock$200
Undivided profits $-32,764
Noncurrent loans and leases $26,058
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $12,569
Income earned, not collected on loans $51,473
Earning assets $0
Long-term assets (5+ years) $15,470
Average Assets, year-to-date $750,302
Average Assets, quarterly $113,077
Volatile liabilities $897,011
Insider loans $845,164
FHLB advances $560,750
Loans and leases held for sale $842,622
Unused loan commitments $16,631
Tier 1 (core) risk-based capital $16,631
Tier 2 risk-based capital $88,457
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $20,673
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $39,348
Total interest expense $14,106
Net interest income $25,242
Provision for loan and lease losses $7,501
Total noninterest income $6,553
Fiduciary activities $0
Service charges on deposit accounts $313
Trading account gains & fees $0
Additional noninterest income $6,240
Total noninterest expense $30,525
Salaries and employee benefits $11,045
Premises and equipment expense $2,233
Additional noninterest expense $17,247
Pre-tax net operating income -$6,231
Securities gains (losses) -$634
Applicable income taxes $0
Income before extraordinary items -$6,865
Extraordinary gains - net $0
Net income attributable to bank -$7,740
Net charge-offs $875
Cash dividends -$6,865
Sale, conversion, retirement of capital stock, net $12,250
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.97%
Cost of funding earning assets 1.78%
Net interest margin 3.19%
Noninterest income to earning assets 0.83%
Noninterest expense to earning assets 3.86%
Net operating income to assets -0.69%
Return on assets (ROA) -0.86%
Pretax return on assets -0.86%
Return on equity (ROE) -11.47%
Retained earnings to average equity (YTD only) -11.47%
Net charge-offs to loans 2.60%
Credit loss provision to net charge-offs 61.23%
Efficiency ratio0.10%
Assets per employee$96,006
Cash dividends to net income (YTD only)5.53%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 3.84%
Noncurrent assets plus other real estate owned to assets 31.82%
Noncurrent loans to loans 8.58%
Net loans and leases to deposits12.06%
Net loans and leases to core deposits 70.50%
Equity capital to assets 72.21%
Core capital (leverage) ratio 7.57%
Tier 1 risk-based capital ratio 10.50%
Total risk-based capital ratio 15.77%
Average assets$17
Average earning assets$897,011
Average equity $67,461
Average loans $791,244
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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
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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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