Royal Banks of Missouri in University City, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Royal Banks of Missouri - Overview

  • General
  • FDIC Certificate #: 19512
    Status: Active
    Federal Reserve ID: 501459
    Bank Holding Company (Regulatory Top Holder): Royal Bancshares, Inc. (RSSDID: 1096372, Location: Saint Louis, MO)
    Date Established: November 08, 1965
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 13312
    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: November 08, 1965
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 8021 Olive Boulevard, University City, MO 63130
    County: St. Louis
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $414.5 mil
    Equity capital: $45.7 mil
    Deposits held in domestic offices: $363.3 mil
    Return on assets (ROA): 0.82% ($3.4 mil)
    Quarterly return on assets: 0.96% ($4.0 mil)
    Return on Equity (ROE): 8.06% ($3.7 mil)
    Quarterly return on equity: 8.84% ($4.1 mil)
    Net income: $3.5 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.21% ($5,015.6 mil)
    Quarterly Pretax return on assets: 1.39% ($5,761.7 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
  • 75Total employees (full-time equivalent)
  • $414,514Total assets
  • $9,618Cash and due from depository institutions
  • $3,527Interest-bearing balances
  • $60,084Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $315,633Net loans & leases
  • $5,765Loan loss allowance
  • $0Trading account assets
  • $5,688Bank premises and fixed assets
  • $2,151Other real estate owned
  • $0Goodwill and other intangibles
  • $414,514Life insurance assets
  • $21,340All other assets
  • $368,843Total liabilities and capital
  • $363,251Total liabilities
  • $311,471Total deposits
  • $363,251Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,017Trading liabilities
  • $0Other borrowed funds
  • $2,575Subordinated debt
  • $45,671All other liabilities
  • $45,671Total equity capital
  • $45,671Total bank equity capital
  • $0Perpetual preferred stock
  • $749Common stock
  • $2,211Surplus
  • $42,711Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,292Income earned, not collected on loans
  • $0Earning assets
  • $1,334Long-term assets (5+ years)
  • $379,244Average Assets, year-to-date
  • $84,265Average Assets, quarterly
  • $427,537Volatile liabilities
  • $413,570Insider loans
  • $346,594FHLB advances
  • $410,894Loans and leases held for sale
  • $14,698Unused loan commitments
  • $14,698Tier 1 (core) risk-based capital
  • $45,247Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $52,727Restructured Loans and leases
  • $16,328Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,679Total interest income
  • $3,641Total interest expense
  • $15,038Net interest income
  • $2,198Provision for loan and lease losses
  • $2,122Total noninterest income
  • $0Fiduciary activities
  • $652Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,470Additional noninterest income
  • $9,772Total noninterest expense
  • $4,777Salaries and employee benefits
  • $1,188Premises and equipment expense
  • $3,807Additional noninterest expense
  • $5,190Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,689Applicable income taxes
  • $3,501Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,501Net income attributable to bank
  • $0Net charge-offs
  • $3,501Cash dividends
  • $1,732Sale, conversion, retirement of capital stock, net
  • $706Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.75%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 2.48%Noninterest expense to earning assets
  • 0.82%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 8.06%Return on equity (ROE)
  • 6.44%Retained earnings to average equity (YTD only)
  • 0.54%Net charge-offs to loans
  • 126.91%Credit loss provision to net charge-offs
  • 4.27%Efficiency ratio
  • 56,946Assets per employee
  • 5.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.17%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 91.62%Noncurrent assets plus other real estate owned to assets
  • 2.04%Noncurrent loans to loans
  • 1.96%Net loans and leases to deposits
  • 86.89%Net loans and leases to core deposits
  • 101.81%Equity capital to assets
  • 11.02%Core capital (leverage) ratio
  • 11.01%Tier 1 risk-based capital ratio
  • 13.05%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $427,537Average earning assets
  • $43,434Average equity
  • $393,461Average loans

List of branches

  • 8 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013312Royal Banks Of Missouri8021 Olive Boulevard, University City, MO 63130November 08, 1965Full Service Brick and Mortar
    113200Glendale Facility9990 Manchester Road, Glendale, MO 63122March 22, 1965Full Service Brick and Mortar
    3248575Creve Coeur Facility13171 Olive Blvd., Saint Louis, MO 63141November 14, 1994Full Service Brick and Mortar
    4248576St Louis Hills Facility3534 Watson Rd., Saint Louis, MO 63139December 28, 1995Full Service Brick and Mortar
    8454728Covenant House Branch10 Millstone Campus, Saint Louis, MO 63146June 06, 2006Limited Service Facility
    9455789Royal Banks Of Missouri - University7701 Delmar Boulevard, University City, MO 63130September 25, 2006Full Service Brick and Mortar
    10463481Crown Center8350 Delcrest, Saint Louis, MO 63124April 16, 2007
    11467067Crown Center Branch8350 Delcrest, Saint Louis, MO 63124April 16, 2007Limited Service Facility

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