Vitals
  • Total Assets
    367.7M 3.7 %
  • Total Deposits
    313.2M 3.8 %
  • Total Net Loans
    254.9M 5.3 %
  • Net Income
    3.7M 3.2 %
  • Book Value
    38.0M 2.8 %
  • Book Value x2
    75.9M 2.8 %
  • Book Value x3
    113.9M 2.8 %
ROAA

1.053

ROAE

9.894

Efficiency Ratio

63.677

Net Interest Margin

4.21

Balance Sheet Highlights
Financial Highlights Royal Bank All Insured Commercial Banks in Wisconsin
Balance Sheet $(000)
Total Assets 367,694 272,940
Total Net Loans 254,926 188,306
Total Deposits 313,190 228,985
Total Equity 37,959 30,879
Profitability
Net Income 3,720 3,013
Return on Average Assets 1.053 1.04
Return on Average Equity 9.894 8.894
Net Interest Margin 4.21 3.727
Efficiency Ratio 63.677 64.939
Noninterest Income/Revenue 19.475 14.969
Balance Sheet Ratios
Loan-to-Deposit 81.397 81.441
Securities/Assets .2 .167
Total Equity/Total Assets .103 .113
Tangible Equity/Tangible Assets .098 .11
Capital Adequacy
Tier 1 Common Capital 36,351 29,936
Tier 1 Capital 36,351 29,937
Tier 2 Capital 3,215 2,305
Total Capital 39,566 32,273
Total Risk Weighted Assets 256,355 202,263
Leverage Ratio 10.16 11.31
Common Equity Tier 1 Capital Ratio 14.18 15.769
Tier 1 Capital Ratio 14.18 15.771
Total Capital Ratio 15.43 16.923

Timeline for Royal Bank

Badger State Bank

Acquisition: Royal Bank acquired a new subsidiary, Badger State Bank, 13 years

View Profile Feb 12 2011

Acuity Bank

Acquisition: Royal Bank acquired a new subsidiary, Acuity Bank, 17 years

View Profile Apr 14 2007

Royal Bank

Acquisition: Royal Bank acquired a new subsidiary, Royal Bank, 25 years

View Profile Jul 01 1998

Royal Bank-Lone Rock

Acquisition: Royal Bank acquired a new subsidiary, Royal Bank-Lone Rock, 32 years

View Profile Apr 01 1992

Royal Investments-Elroy, Inc.

Royal Investments-Elroy, Inc. became a new subsidiary organization for Royal Bank.

View Profile Apr 01 1992

Want to see more?

Complete timeline for Royal Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Badger State Bank Seller 83,828 Failure 2/12/2011
Acuity Bank Seller 144,618 Sale of Assets 4/14/2007
Royal Bank Seller 14,826 Pooling of Interests Discontinued 7/1/1998
Royal Bank Seller 12,787 Pooling of Interests Discontinued 7/1/1998
Royal Bank-Lone Rock Seller 10,581 Discontinued 4/1/1992
Relationships Role Relationship Start Relationship End
Royal Bancshares, Inc. Parent 10/29/1991
Royal Bancshares, Inc. Parent 2/15/1990 10/28/1991
Royal Investments-Elroy, Inc. Subsidary 6/30/2007
Royal Investments-Elroy, Inc. Subsidary 4/1/1992 6/29/2007
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