Royal Business Bank

Royal Business Bank is headquartered in Los Angeles and is the 79^th largest bank in the state of California. It is also the 1,247^th largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 86 employees at 9 locations. Royal Business Bank has a 4-star health rating.

Royal Business Bank Routing Number: 122045037

Data for Q1 2012

Institution Statistics Royal Business Bank FDIC Certificate # 58816 BankRate Report View Year Established 2008 Employees 86 Primary Regulator FDIC Assets and Liabilities Assets $540.10 million Loans $325.76 million Deposits $463.93 million Equity Capital $72.65 million Loan Loss Allowance $5.50 million Unbacked Noncurrent Loans $6.42 million Real Estate Owned $2.17 million Historic Data - March 2011 Assets $309.15 million Equity Capital $62.74 million Loan Loss Allowance $3.93 million Real Estate Owned $528,000 Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 0.58% Return on Equity 4.18% Interest Income $5.79 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 Business Bank had $8.58 million in non-current loans and owned real-estate with $78.15 million in equity and loan loss allowances on hand to cover it. This gives Royal Business Bank a Texas Ratio of 10.98% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Royal Business Bank increased slightly from 0.79% as of March 31, 2011 to 10.98% as of March 31, 2012, resulting in a negative change of 1,286.48%. This indicates that the balance sheet and financial strength for Royal Business Bank has declined slightly in recent periods. Deposit Growth In the past year, Royal Business Bank has increased its total deposits by $219.84 million, resulting in 90.06% 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 Business 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 Business Bank has $540.1 million in assets with $78.15 million in equity, resulting in a capitalization level of 14.47%, which is excellent.

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