Royal Bank

Royal Bank is headquartered in Elroy and is the 60^th largest bank in the state of Wisconsin. It is also the 2,079^th largest bank in the nation. It was established in 1932 and as of March of 2012, it had grown to 90 employees at 15 locations. Royal Bank has a 4-star health rating.

Royal Bank Routing Number: 075903116

Data for Q1 2012

Institution Statistics Royal Bank FDIC Certificate # 13454 BankRate Report View Year Established 1932 Employees 90 Primary Regulator FDIC Assets and Liabilities Assets $313.17 million Loans $188.95 million Deposits $258.13 million Equity Capital $32.65 million Loan Loss Allowance $2.97 million Unbacked Noncurrent Loans $6.58 million Real Estate Owned $900,000 Historic Data - March 2011 Assets $296.90 million Equity Capital $31.15 million Loan Loss Allowance $1.70 million Unbacked Noncurrent Loans $2.59 million Real Estate Owned $1.42 million Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets 1.2% Return on Equity 11.51% Interest Income $3.65 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Royal Bank had $7.48 million in non-current loans and owned real-estate with $35.62 million in equity and loan loss allowances on hand to cover it. This gives Royal Bank a Texas Ratio of 21.01% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Royal Bank increased slightly from 15.99% as of March 31, 2011 to 21.01% as of March 31, 2012, resulting in a negative change of 31.42%. This indicates that the balance sheet and financial strength for Royal Bank has declined slightly in recent periods. Deposit Growth In the past year, Royal Bank has increased its total deposits by $12.34 million, resulting in 5.02% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Royal Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Royal Bank has $313.17 million in assets with $35.62 million in equity, resulting in a capitalization level of 11.37%, which is above average.

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