Royal Savings Bank in Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Royal Savings Bank - Overview

  • General
  • FDIC Certificate #: 28068
    Status: Active
    Federal Reserve ID: 649874
    Bank Holding Company (Regulatory Top Holder): Royal Financial, Inc. (RSSDID: 3305760, Location: Chicago, IL)
    Date Established: January 01, 1887
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 837
    FDIC's unique #: 40902
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: June 09, 1938
    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: 9226 South Commercial Avenue, Chicago, IL 60617
    County: Cook
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Chicago
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Chicago, IL (#1600)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $93.9 mil
    Equity capital: $16.1 mil
    Deposits held in domestic offices: $66.4 mil
    Return on assets (ROA): 0.75% ($0.7 mil)
    Quarterly return on assets: 0.98% ($0.9 mil)
    Return on Equity (ROE): 4.60% ($0.7 mil)
    Quarterly return on equity: 5.66% ($0.9 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.75% ($703.9 mil)
    Quarterly Pretax return on assets: 0.98% ($919.8 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
  • 34Total employees (full-time equivalent)
  • $93,857Total assets
  • $4,823Cash and due from depository institutions
  • $3,746Interest-bearing balances
  • $31,673Securities
  • $187Federal funds sold & reverse repurchase agreements
  • $47,571Net loans & leases
  • $2,179Loan loss allowance
  • $0Trading account assets
  • $4,321Bank premises and fixed assets
  • $4,205Other real estate owned
  • $0Goodwill and other intangibles
  • $93,857Life insurance assets
  • $1,077All other assets
  • $77,720Total liabilities and capital
  • $66,442Total liabilities
  • $59,716Total deposits
  • $66,442Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,400Trading liabilities
  • $0Other borrowed funds
  • $878Subordinated debt
  • $16,137All other liabilities
  • $16,137Total equity capital
  • $16,137Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $17,499Surplus
  • $-1,362Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,822Income earned, not collected on loans
  • $0Earning assets
  • $375Long-term assets (5+ years)
  • $83,177Average Assets, year-to-date
  • $37,893Average Assets, quarterly
  • $90,927Volatile liabilities
  • $92,905Insider loans
  • $54,698FHLB advances
  • $88,652Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,555Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,873Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,211Total interest income
  • $361Total interest expense
  • $3,850Net interest income
  • -$724Provision for loan and lease losses
  • -$74Total noninterest income
  • $0Fiduciary activities
  • $127Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$201Additional noninterest income
  • $3,815Total noninterest expense
  • $1,837Salaries and employee benefits
  • $616Premises and equipment expense
  • $1,362Additional noninterest expense
  • $685Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $685Income before extraordinary items
  • $0Extraordinary gains - net
  • $685Net income attributable to bank
  • $0Net charge-offs
  • $685Cash dividends
  • $692Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.26%Yield on earning assets
  • 0.45%Cost of funding earning assets
  • 4.81%Net interest margin
  • -0.09%Noninterest income to earning assets
  • 4.76%Noninterest expense to earning assets
  • 0.75%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 0.75%Pretax return on assets
  • 4.60%Return on equity (ROE)
  • 4.60%Retained earnings to average equity (YTD only)
  • 1.22%Net charge-offs to loans
  • -104.62%Credit loss provision to net charge-offs
  • -0.06%Efficiency ratio
  • 101,033Assets per employee
  • 2.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.38%Loss allowance to noncurrent loans
  • 77.21%Noncurrent assets plus other real estate owned to assets
  • 7.49%Noncurrent loans to loans
  • 5.67%Net loans and leases to deposits
  • 71.60%Net loans and leases to core deposits
  • 76.51%Equity capital to assets
  • 17.19%Core capital (leverage) ratio
  • 17.55%Tier 1 risk-based capital ratio
  • 28.44%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $90,927Average earning assets
  • $14,893Average equity
  • $80,072Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040902Royal Savings Bank9226 South Commercial Avenue, Chicago, IL 60617January 01, 1887Full Service Brick and Mortar
    100264856East Side Office10555 South Ewing Avenue, Chicago, IL 60617January 01, 1887Full Service Brick and Mortar

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