Vitals
  • Total Assets
    206.6M 30.3 %
  • Total Deposits
    160.0M 11.5 %
  • Total Net Loans
    167.0M 34.0 %
  • Net Income
    1.4M -9.3 %
  • Book Value
    16.4M 14.7 %
  • Book Value x2
    32.8M 14.7 %
  • Book Value x3
    49.2M 14.7 %
ROAA

.766

ROAE

8.777

Efficiency Ratio

75.655

Net Interest Margin

5.243

Balance Sheet Highlights
Financial Highlights Royal Oaks Bank, Ssb All Insured Savings Banks in Texas
Balance Sheet $(000)
Total Assets 206,613 192,421
Total Net Loans 166,962 130,311
Total Deposits 160,050 153,707
Total Equity 16,398 30,273
Profitability
Net Income 1,363 10,645
Return on Average Assets .766 1.639
Return on Average Equity 8.777 13.129
Net Interest Margin 5.243 4.719
Efficiency Ratio 75.655 67.626
Noninterest Income/Revenue 6.275 8.24
Balance Sheet Ratios
Loan-to-Deposit 104.319 86.467
Securities/Assets .017 .415
Total Equity/Total Assets .079 .157
Tangible Equity/Tangible Assets .079 -.019
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 16,436 28,825
Tier 2 Capital 1,308 1,163
Total Capital 17,744 29,988
Total Risk Weighted Assets 179,241 123,300
Leverage Ratio 8.48 11.559
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 9.17 18.636
Total Capital Ratio 9.9 19.48

Timeline for Royal Oaks Bank, Ssb

First Bank

Royal Oaks Bank, Ssb was acquired by First Bank 17 years

View Profile Mar 01 2007

Royal Oaks Bancshares, Inc.

Royal Oaks Bancshares, Inc. became a new parent organization for Royal Oaks Bank, Ssb.

View Profile Feb 28 2007

Royal Oaks Holdings Of Delaware Inc

Royal Oaks Holdings Of Delaware Inc became a new parent organization for Royal Oaks Bank, Ssb.

View Profile Jul 09 2004

Royal Oaks Bank, Ssb

Royal Oaks Bank, Ssb was established 23 years ago and is currently headquartered in Houston, TX.

Mar 01 2001
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Bank Buyer 6,128,871 Acquisition Discontinued 3/1/2007
Relationships Role Relationship Start Relationship End
Royal Oaks Bancshares, Inc. Parent 2/28/2007 2/28/2007
Royal Oaks Holdings Of Delaware Inc Parent 7/9/2004 2/27/2007
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