Royal Savings Bank in Chicago, Illinois (IL)



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Royal Savings Bank
GeneralFDIC 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
WWW: http://www.royal-bank.us
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)34
Total assets$93,857
Cash and due from depository institutions$4,823
Interest-bearing balances$3,746
Securities$31,673
Federal funds sold & reverse repurchase agreements$187
Net loans & leases$47,571
Loan loss allowance $2,179
Trading account assets$0
Bank premises and fixed assets$4,321
Other real estate owned$4,205
Goodwill and other intangibles$0
All other assets$1,077
Life insurance assets$93,857
Total liabilities and capital$77,720
Total liabilities$66,442
Total deposits$59,716
Interest-bearing deposits$66,442
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,400
Other borrowed funds $0
Subordinated debt $878
All other liabilities $16,137
Total equity capital$16,137
Total bank equity capital$16,137
Perpetual preferred stock$0
Common stock$0
Surplus$17,499
Undivided profits $-1,362
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,822
Earning assets $0
Long-term assets (5+ years) $375
Average Assets, year-to-date $83,177
Average Assets, quarterly $37,893
Volatile liabilities $90,927
Insider loans $92,905
FHLB advances $54,698
Loans and leases held for sale $88,652
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $15,555
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,873
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,211
Total interest expense $361
Net interest income $3,850
Provision for loan and lease losses -$724
Total noninterest income -$74
Fiduciary activities $0
Service charges on deposit accounts $127
Trading account gains & fees $0
Additional noninterest income -$201
Total noninterest expense $3,815
Salaries and employee benefits $1,837
Premises and equipment expense $616
Additional noninterest expense $1,362
Pre-tax net operating income $685
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $685
Extraordinary gains - net $0
Net income attributable to bank $685
Net charge-offs $0
Cash dividends $685
Sale, conversion, retirement of capital stock, net $692
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 assets5.26%
Cost of funding earning assets 0.45%
Net interest margin 4.81%
Noninterest income to earning assets -0.09%
Noninterest expense to earning assets 4.76%
Net operating income to assets 0.75%
Return on assets (ROA) 0.75%
Pretax return on assets 0.75%
Return on equity (ROE) 4.60%
Retained earnings to average equity (YTD only) 4.60%
Net charge-offs to loans 1.22%
Credit loss provision to net charge-offs -104.62%
Efficiency ratio-0.06%
Assets per employee$101,033
Cash dividends to net income (YTD only)2.76%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 4.38%
Noncurrent assets plus other real estate owned to assets 77.21%
Noncurrent loans to loans 7.49%
Net loans and leases to deposits5.67%
Net loans and leases to core deposits 71.60%
Equity capital to assets 76.51%
Core capital (leverage) ratio 17.19%
Tier 1 risk-based capital ratio 17.55%
Total risk-based capital ratio 28.44%
Memoranda
Average assets$30
Average earning assets$90,927
Average equity $14,893
Average loans $80,072
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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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