FDIC Certificate #: 966 Status: Active Federal Reserve ID: 472045 Bank Holding Company (Regulatory Top Holder): Royal Bancshares, Inc. (RSSDID: 1207758, Location: Royal, IA) Date Established: April 12, 1915 WWW:http://www.hsbroyal.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 633 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 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: Third And Main, Royal, IA 51357 County: Clay Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Sioux City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): Spencer, IA (#43980) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $43.1 mil Equity capital: $12.6 mil Deposits held in domestic offices: $30.0 mil Return on assets (ROA): 1.90% ($0.8 mil) Quarterly return on assets: 1.39% ($0.6 mil) Return on Equity (ROE): 6.18% ($0.8 mil) Quarterly return on equity: 4.57% ($0.6 mil) Net income: $0.8 mil Quarterly Net income: $0.1 mil Pretax return on assets: 2.00% ($861.8 mil) Quarterly Pretax return on assets: 1.48% ($637.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$43,092Total assets
$1,647Cash and due from depository institutions
$945Interest-bearing balances
$18,815Securities
$0Federal funds sold & reverse repurchase agreements
$22,004Net loans & leases
$225Loan loss allowance
$0Trading account assets
$6Bank premises and fixed assets
$134Other real estate owned
$0Goodwill and other intangibles
$43,092Life insurance assets
$486All other assets
$30,535Total liabilities and capital
$30,032Total liabilities
$25,647Total deposits
$30,032Interest-bearing deposits
$78Deposits held in domestic offices
459.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$8Trading liabilities
$0Other borrowed funds
$36Subordinated debt
$12,557All other liabilities
$12,557Total equity capital
$12,557Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$1,300Surplus
$11,057Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$43Income earned, not collected on loans
$0Earning assets
$353Long-term assets (5+ years)
$41,764Average Assets, year-to-date
$18,246Average Assets, quarterly
$39,470Volatile liabilities
$41,253Insider loans
$28,248FHLB advances
$41,931Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,918Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,112Restructured Loans and leases
$566Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,694Total interest income
$255Total interest expense
$1,439Net interest income
$0Provision for loan and lease losses
$64Total noninterest income
$0Fiduciary activities
$51Service charges on deposit accounts
$0Trading account gains & fees
$13Additional noninterest income
$714Total noninterest expense
$402Salaries and employee benefits
$34Premises and equipment expense
$278Additional noninterest expense
$789Pre-tax net operating income
$0Securities gains (losses)
$39Applicable income taxes
$750Income before extraordinary items
$0Extraordinary gains - net
$750Net income attributable to bank
$0Net charge-offs
$750Cash dividends
$1Sale, conversion, retirement of capital stock, net
$437Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.41%Yield on earning assets
0.66%Cost of funding earning assets
3.75%Net interest margin
0.17%Noninterest income to earning assets
1.86%Noninterest expense to earning assets
1.90%Net operating income to assets
1.90%Return on assets (ROA)
2.00%Pretax return on assets
6.18%Return on equity (ROE)
2.58%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
789.00%Efficiency ratio
47,505Assets per employee
8.62%Cash dividends to net income (YTD only)
Condition Ratios (%)
58.27%Loss allowance to loans
1.01%Loss allowance to noncurrent loans
523.26%Noncurrent assets plus other real estate owned to assets
0.43%Noncurrent loans to loans
0.19%Net loans and leases to deposits
73.27%Net loans and leases to core deposits
73.27%Equity capital to assets
29.14%Core capital (leverage) ratio
28.42%Tier 1 risk-based capital ratio
42.19%Total risk-based capital ratio
Memoranda
$43Average assets
$39,470Average earning assets
$12,126Average equity
$38,405Average loans
List of branches
1 Iowa Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
633
Home State Bank
Third And Main, Royal, IA 51357
April 12, 1915
Full Service Brick and Mortar
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