RBC Bank, (Georgia) National Association - Overview
General
FDIC Certificate #: 26342 Status: Active Federal Reserve ID: 3783948 Bank Holding Company (Regulatory Top Holder): Royal Bank Of Canada (RSSDID: 1232497, Location: Montreal) Date Established: August 30, 1985 WWW:http://www.rbcbankusa.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 32882 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Credit Card Institutions: Yes Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Credit-Card Specialization Date of Deposit Insurance: August 30, 1985 Last Structure Change Effective Date: September 14, 2010 Last Structure Change Process Date: October 05, 2010 Last Data Update: October 05, 2010 Data Source Date: April 05, 2012
Location
Address: 75 Fifth St Nw Suite 900, Atlanta, GA 30308 County: Fulton Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Pensacola Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Atlanta, GA (#520) Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122) Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060) CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
Financial Summary
Total assets: $291.2 mil Equity capital: $51.0 mil Deposits held in domestic offices: $190.8 mil Return on assets (ROA): 0.58% ($1.7 mil) Quarterly return on assets: -1.87% (-$5.4 mil) Return on Equity (ROE): 2.99% ($1.5 mil) Quarterly return on equity: -9.99% (-$5.1 mil) Net income: $1.5 mil Quarterly Net income: -$1.3 mil Pretax return on assets: 0.20% ($582.4 mil) Quarterly Pretax return on assets: -3.05% (-$8,882.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$291,219Total assets
$34,422Cash and due from depository institutions
$10,084Interest-bearing balances
$3,737Securities
$0Federal funds sold & reverse repurchase agreements
$226,059Net loans & leases
$17,784Loan loss allowance
$0Trading account assets
$8,886Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$291,219Life insurance assets
$18,115All other assets
$240,237Total liabilities and capital
$190,752Total liabilities
$190,000Total deposits
$190,752Interest-bearing deposits
$1Deposits held in domestic offices
25000.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$24,485Subordinated debt
$50,982All other liabilities
$50,982Total equity capital
$50,982Total bank equity capital
$0Perpetual preferred stock
$28Common stock
$54,242Surplus
$-3,288Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,430Income earned, not collected on loans
$0Earning assets
$15Long-term assets (5+ years)
$239,880Average Assets, year-to-date
$3,737Average Assets, quarterly
$263,241Volatile liabilities
$275,320Insider loans
$246,914FHLB advances
$248,750Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$38,115Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,332,328Restructured Loans and leases
$286Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$21,882Total interest income
$1,411Total interest expense
$20,471Net interest income
$9,415Provision for loan and lease losses
$21,531Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$21,531Additional noninterest income
$32,058Total noninterest expense
$14Salaries and employee benefits
$1Premises and equipment expense
$32,043Additional noninterest expense
$529Pre-tax net operating income
$0Securities gains (losses)
-$1,008Applicable income taxes
$1,537Income before extraordinary items
$0Extraordinary gains - net
$1,537Net income attributable to bank
$0Net charge-offs
$1,537Cash dividends
$8,745Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
10.50%Yield on earning assets
0.68%Cost of funding earning assets
9.82%Net interest margin
10.33%Noninterest income to earning assets
15.38%Noninterest expense to earning assets
0.58%Net operating income to assets
0.58%Return on assets (ROA)
0.20%Pretax return on assets
2.99%Return on equity (ROE)
2.99%Retained earnings to average equity (YTD only)
3.99%Net charge-offs to loans
107.66%Credit loss provision to net charge-offs
1.14%Efficiency ratio
76,325Assets per employee
48.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
7.29%Loss allowance to noncurrent loans
731.85%Noncurrent assets plus other real estate owned to assets
0.83%Noncurrent loans to loans
1.00%Net loans and leases to deposits
118.51%Net loans and leases to core deposits
30061.04%Equity capital to assets
17.51%Core capital (leverage) ratio
15.32%Tier 1 risk-based capital ratio
15.44%Total risk-based capital ratio
Memoranda
$17Average assets
$263,241Average earning assets
$51,389Average equity
$208,446Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
32882
Rbc Bank, (Georgia) National Association
75 Fifth St Nw Suite 900, Atlanta, GA 30308
August 30, 1985
Full Service Brick and Mortar
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