Home > Royal Thrift & Loan Company > Assets and Liabilities
Royal Thrift & Loan Company, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 10 | 8,990 |
| Assets and Liabilities | ||
| Total Assets: | $3,432,000 | 10,463 |
| Cash and due from depository institutions | $250,000 | 8,990 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $0 | 10,385 |
| Federal funds sold & reverse repurchase agreements | $500,000 | 7,743 |
| Net loans & leases | $2,543,000 | 10,317 |
| Loan loss allowance | $791,000 | 4,047 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $89,000 | 9,903 |
| Other real estate owned | $0 | 8,990 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $50,000 | 10,421 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $3,432,000 | 10,463 |
| Total liabilities | $354,000 | 10,469 |
| Total deposits | $0 | 10,473 |
| Interest-bearing deposits | $0 | 10,420 |
| Deposits held in domestic offices | $0 | 10,473 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $354,000 | 6,923 |
| Total equity capital | $3,078,000 | 8,748 |
| Total bank equity capital | $3,078,000 | 8,748 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $750,000 | 3,847 |
| Surplus | $1,500,000 | 6,191 |
| Undivided profits | $828,000 | 8,498 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $649,000 | 3,336 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $25,000 | 10,146 |
| Earning assets | $3,043,000 | 10,437 |
| Long-term assets (5+ years) | $573,000 | 8,700 |
| Average Assets, year-to-date | $4,180,200 | 10,450 |
| Average Assets, quarterly | $3,770,000 | 10,455 |
| Volatile liabilities | $0 | 10,374 |
| Insider loans | $0 | 9,309 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $0 | 10,110 |
| Tier 1 (core) risk-based capital | $3,078,000 | 8,650 |
| Tier 2 risk-based capital | $31,490 | 10,208 |
| Total risk weighted assets | $1,759,490 | 10,419 |
| Total unused commitments | $0 | 10,111 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 15 | 8,124 |
| Assets and Liabilities | ||
| Total Assets: | $4,637,000 | 10,903 |
| Cash and due from depository institutions | $323,000 | 8,124 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $0 | 10,855 |
| Federal funds sold & reverse repurchase agreements | $500,000 | 7,210 |
| Net loans & leases | $3,039,000 | 10,775 |
| Loan loss allowance | $1,143,000 | 2,986 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $84,000 | 10,310 |
| Other real estate owned | $17,000 | 8,124 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $674,000 | 7,515 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $4,637,000 | 10,903 |
| Total liabilities | $1,400,000 | 10,908 |
| Total deposits | $947,000 | 10,888 |
| Interest-bearing deposits | $706,000 | 10,831 |
| Deposits held in domestic offices | $947,000 | 10,888 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $453,000 | 6,303 |
| Total equity capital | $3,237,000 | 8,791 |
| Total bank equity capital | $3,237,000 | 8,791 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $750,000 | 3,970 |
| Surplus | $1,500,000 | 6,259 |
| Undivided profits | $987,000 | 8,650 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,229,000 | 2,084 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $42,000 | 10,496 |
| Earning assets | $3,539,000 | 10,888 |
| Long-term assets (5+ years) | $1,423,000 | 8,126 |
| Average Assets, year-to-date | $19,628,600 | 9,797 |
| Average Assets, quarterly | $8,084,000 | 10,796 |
| Volatile liabilities | $100,000 | 10,796 |
| Insider loans | $0 | 9,792 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $0 | 10,531 |
| Tier 1 (core) risk-based capital | $3,237,000 | 8,698 |
| Tier 2 risk-based capital | $50,480 | 10,503 |
| Total risk weighted assets | $2,946,080 | 10,827 |
| Total unused commitments | $0 | 10,532 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 55 | 3,429 |
| Assets and Liabilities | ||
| Total Assets: | $31,361,000 | 9,047 |
| Cash and due from depository institutions | $528,000 | 3,429 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $0 | 11,393 |
| Federal funds sold & reverse repurchase agreements | $8,700,000 | 1,475 |
| Net loans & leases | $18,265,000 | 8,753 |
| Loan loss allowance | $1,515,000 | 2,424 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $302,000 | 9,208 |
| Other real estate owned | $2,052,000 | 3,429 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,514,000 | 4,588 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $31,361,000 | 9,047 |
| Total liabilities | $27,462,000 | 9,110 |
| Total deposits | $26,728,000 | 9,056 |
| Interest-bearing deposits | $26,409,000 | 8,538 |
| Deposits held in domestic offices | $26,728,000 | 9,053 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $74,000 | 4,959 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $660,000 | 4,879 |
| Total equity capital | $3,899,000 | 8,289 |
| Total bank equity capital | $3,899,000 | 8,289 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $750,000 | 4,233 |
| Surplus | $1,500,000 | 6,419 |
| Undivided profits | $1,649,000 | 7,777 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,079,000 | 1,473 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $169,000 | 8,990 |
| Earning assets | $26,965,000 | 9,249 |
| Long-term assets (5+ years) | $2,541,000 | 7,358 |
| Average Assets, year-to-date | $46,078,800 | 7,429 |
| Average Assets, quarterly | $33,300,500 | 8,796 |
| Volatile liabilities | $600,000 | 10,916 |
| Insider loans | $0 | 10,271 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $7,491,000 | 267 |
| Unused loan commitments | $0 | 10,924 |
| Tier 1 (core) risk-based capital | $3,899,000 | 8,180 |
| Tier 2 risk-based capital | $255,630 | 7,827 |
| Total risk weighted assets | $19,190,730 | 8,788 |
| Total unused commitments | $0 | 10,925 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 183 | 1,049 |
| Assets and Liabilities | ||
| Total Assets: | $67,824,000 | 6,086 |
| Cash and due from depository institutions | $1,357,000 | 1,049 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $0 | 11,914 |
| Federal funds sold & reverse repurchase agreements | $26,500,000 | 574 |
| Net loans & leases | $35,362,000 | 6,338 |
| Loan loss allowance | $2,059,000 | 1,884 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $683,000 | 7,342 |
| Other real estate owned | $2,715,000 | 1,049 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,207,000 | 5,549 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $67,824,000 | 6,086 |
| Total liabilities | $62,723,000 | 5,948 |
| Total deposits | $59,595,000 | 5,961 |
| Interest-bearing deposits | $58,840,000 | 5,372 |
| Deposits held in domestic offices | $59,595,000 | 5,952 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $2,713,000 | 2,145 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $415,000 | 6,999 |
| Total equity capital | $5,101,000 | 7,286 |
| Total bank equity capital | $5,101,000 | 7,286 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $750,000 | 4,443 |
| Surplus | $1,500,000 | 6,497 |
| Undivided profits | $2,851,000 | 6,357 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,671,000 | 985 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $161,000 | 702 |
| Income earned, not collected on loans | $248,000 | 7,955 |
| Earning assets | $61,862,000 | 6,103 |
| Long-term assets (5+ years) | $9,112,000 | 4,281 |
| Average Assets, year-to-date | $60,547,000 | 6,394 |
| Average Assets, quarterly | $66,058,500 | 6,148 |
| Volatile liabilities | $1,928,000 | 9,699 |
| Insider loans | $0 | 10,773 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $0 | 11,319 |
| Tier 1 (core) risk-based capital | $5,101,000 | 7,153 |
| Tier 2 risk-based capital | $464,430 | 5,589 |
| Total risk weighted assets | $35,560,130 | 6,493 |
| Total unused commitments | $0 | 11,320 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 148 | 1,340 |
| Assets and Liabilities | ||
| Total Assets: | $56,650,000 | 6,935 |
| Cash and due from depository institutions | $3,787,000 | 1,340 |
| Interest-bearing balances | $3,786,000 | 953 |
| Securities | $0 | 12,560 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $48,815,000 | 5,000 |
| Loan loss allowance | $2,294,000 | 1,767 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $702,000 | 7,374 |
| Other real estate owned | $1,411,000 | 1,340 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,935,000 | 3,958 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $56,650,000 | 6,935 |
| Total liabilities | $52,286,000 | 6,834 |
| Total deposits | $50,125,000 | 6,790 |
| Interest-bearing deposits | $49,646,000 | 6,111 |
| Deposits held in domestic offices | $50,125,000 | 6,783 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $1,316,000 | 2,917 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $845,000 | 3,479 |
| Total equity capital | $4,364,000 | 7,777 |
| Total bank equity capital | $4,364,000 | 7,777 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $750,000 | 4,650 |
| Surplus | $1,500,000 | 6,572 |
| Undivided profits | $2,114,000 | 6,990 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,090,000 | 1,142 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $862,000 | 147 |
| Income earned, not collected on loans | $524,000 | 4,015 |
| Earning assets | $52,601,000 | 6,846 |
| Long-term assets (5+ years) | $18,680,000 | 2,693 |
| Average Assets, year-to-date | $57,312,000 | 6,758 |
| Average Assets, quarterly | $56,929,000 | 6,860 |
| Volatile liabilities | $1,534,000 | 10,300 |
| Insider loans | $0 | 11,229 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $0 | 11,812 |
| Tier 1 (core) risk-based capital | $4,364,000 | 7,866 |
| Tier 2 risk-based capital | $559,120 | 4,829 |
| Total risk weighted assets | $42,994,820 | 5,599 |
| Total unused commitments | $0 | 11,813 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 90 | 2,333 |
| Assets and Liabilities | ||
| Total Assets: | $54,930,000 | 7,272 |
| Cash and due from depository institutions | $8,951,000 | 2,333 |
| Interest-bearing balances | $8,730,000 | 710 |
| Securities | $0 | 13,214 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $43,103,000 | 5,389 |
| Loan loss allowance | $1,591,000 | 2,512 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $242,000 | 10,773 |
| Other real estate owned | $961,000 | 2,333 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,673,000 | 4,043 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $54,930,000 | 7,272 |
| Total liabilities | $50,264,000 | 7,214 |
| Total deposits | $47,829,000 | 7,271 |
| Interest-bearing deposits | $47,351,000 | 6,598 |
| Deposits held in domestic offices | $47,829,000 | 7,263 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $1,947,000 | 2,194 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $488,000 | 5,437 |
| Total equity capital | $4,666,000 | 7,626 |
| Total bank equity capital | $4,666,000 | 7,626 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $750,000 | 4,837 |
| Surplus | $1,500,000 | 6,601 |
| Undivided profits | $2,416,000 | 6,910 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,294,000 | 1,089 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $1,309,000 | 114 |
| Income earned, not collected on loans | $766,000 | 2,331 |
| Earning assets | $51,833,000 | 7,128 |
| Long-term assets (5+ years) | $20,454,000 | 2,619 |
| Average Assets, year-to-date | $50,641,200 | 7,520 |
| Average Assets, quarterly | $51,895,000 | 7,491 |
| Volatile liabilities | $4,079,000 | 7,242 |
| Insider loans | $0 | 11,728 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $0 | 12,206 |
| Tier 1 (core) risk-based capital | $4,666,000 | 7,559 |
| Tier 2 risk-based capital | $532,710 | 4,998 |
| Total risk weighted assets | $41,558,710 | 5,740 |
| Total unused commitments | $0 | 12,208 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 42 | 4,959 |
| Assets and Liabilities | ||
| Total Assets: | $45,663,000 | 8,340 |
| Cash and due from depository institutions | $1,782,000 | 4,959 |
| Interest-bearing balances | $1,408,000 | 3,246 |
| Securities | $0 | 13,824 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $42,609,000 | 5,474 |
| Loan loss allowance | $1,199,000 | 3,231 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $168,000 | 11,916 |
| Other real estate owned | $0 | 4,959 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,104,000 | 5,863 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $45,663,000 | 8,340 |
| Total liabilities | $41,313,000 | 8,356 |
| Total deposits | $37,916,000 | 8,618 |
| Interest-bearing deposits | $37,916,000 | 7,876 |
| Deposits held in domestic offices | $37,916,000 | 8,612 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $2,142,000 | 1,889 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $1,255,000 | 2,729 |
| Total equity capital | $4,350,000 | 7,829 |
| Total bank equity capital | $4,350,000 | 7,829 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $750,000 | 5,077 |
| Surplus | $1,500,000 | 6,543 |
| Undivided profits | $2,100,000 | 7,255 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,576,000 | 1,049 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $634,000 | 3,190 |
| Earning assets | $44,017,000 | 8,032 |
| Long-term assets (5+ years) | $17,631,000 | 2,854 |
| Average Assets, year-to-date | $45,705,200 | 8,173 |
| Average Assets, quarterly | $46,263,000 | 8,212 |
| Volatile liabilities | $4,438,000 | 7,037 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $0 | 12,570 |
| Tier 1 (core) risk-based capital | $4,350,000 | 7,769 |
| Tier 2 risk-based capital | $500,380 | 5,200 |
| Total risk weighted assets | $39,332,080 | 6,012 |
| Total unused commitments | $0 | 12,572 |
| Derivatives | $0 | 651 |