Royal Savings Bank

Royal Savings Bank is headquartered in Chicago and is the 327^th largest bank in the state of Illinois. It is also the 4,765^th largest bank in the nation. It was established in 1887 and as of March of 2012, it had grown to 34 employees at 2 locations. Royal Savings Bank's savings rates are 92% higher than the national average, and it has a 4-star health rating.

Royal Savings Bank Routing Number: 271071253

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Data for Q1 2012

Institution Statistics Royal Savings Bank FDIC Certificate # 28068 BankRate Report View Year Established 1887 Employees 34 Primary Regulator FDIC Assets and Liabilities Assets $107.69 million Loans $49.25 million Deposits $69.31 million Equity Capital $15.84 million Loan Loss Allowance $2.03 million Unbacked Noncurrent Loans $3.20 million Real Estate Owned $3.80 million Historic Data - March 2011 Assets $87.08 million Equity Capital $13.65 million Loan Loss Allowance $3.08 million Unbacked Noncurrent Loans $4.10 million Real Estate Owned $5.07 million Profit Margin - Quarterly Net Interest Margin 4.15% Return on Assets -1.52% Return on Equity -9.56% Interest Income $998,000

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 Savings Bank had $6.99 million in non-current loans and owned real-estate with $17.86 million in equity and loan loss allowances on hand to cover it. This gives Royal Savings Bank a Texas Ratio of 39.14% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Royal Savings Bank decreased slightly from 54.83% as of March 31, 2011 to 39.14% as of March 31, 2012, resulting in a positive change of 28.61%.This indicates that the balance sheet and financial strength for Royal Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Royal Savings Bank has increased its total deposits by $4.58 million, resulting in 7.08% 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 Savings 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 Savings Bank has $107.69 million in assets with $17.86 million in equity, resulting in a capitalization level of 16.59%, which is excellent.

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