PackageTrendsPeer
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Royal Savings Bank

Chicago, IL · Cert 28068

FDIC · 9 branches

Q4 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2021, the quarter ended December 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Royal Savings Bank

Chicago, IL · Cert 28068

FDIC · 9 branches

Q4 2021

$546.4MAssets
$464.8MLoans
$488.8MDeposits
$56.2MEquity
Loan mix
99%RE $403.5M1%C&I $4.1M0%Consumer $1.3MQ4 2020Q4 2021
Deposit mix
82%Interest-bearing $398.6M18%Noninterest $90.2MQ4 2020Q4 2021

NIM

4.56%Q4 ’193.50%Q4 ’203.62%Q4 ’21-18%+13%

Non-interest income vs. expense

2.30%Q4 ’191.86%Q4 ’201.94%Q4 ’21-18%+4%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2021 SOD (annual) · 0.1% share · #70 of 168 inst. · $0.5B of $568.2B

0.1% Cook
0.1% Dupage

Executive Summary

  • Earnings: ROA of 1.25%, up 55 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.36% of loans (-10 bps YoY), with net recoveries of 0.09%.
  • Capital: tier 1 leverage ratio of 9.29%, up 50 bps from a year ago.
  • Funding: loans stand at 95.09% of deposits as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

1.25%+55 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+39 bps YoY

Efficiency Ratio (YTD, annualized)

54.93%-450 bps YoY

Tier 1 Leverage Ratio

9.29%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets0.70%1.34%1.22%1.24%1.25%+55 bps
Return on Equity6.58%13.67%12.35%12.58%12.57%+599 bps
Net Interest Margin3.00%3.31%3.34%3.40%3.39%+39 bps
Efficiency Ratio59.43%56.89%56.74%55.64%54.93%-450 bps
Non-Interest Burden1.75%1.85%1.86%1.85%1.82%+7 bps
Growth
Asset Growth (YoY)27.59%33.27%23.46%8.38%5.80%-2,179 bps
Loan Growth (YoY)41.53%46.71%28.99%7.90%5.89%-3,564 bps
Deposit Growth (YoY)29.43%36.44%25.02%7.88%6.13%-2,330 bps
Asset Quality
Nonperforming Loans / Loans0.46%0.50%0.38%0.33%0.36%-10 bps
Net Charge-Offs / Loans0.28%-0.37%-0.13%-0.10%-0.09%-37 bps
Allowance / Loans0.83%0.84%0.83%0.81%0.80%-3 bps
Allowance Coverage of NPLs1.8x1.7x2.2x2.5x2.2x+0.4x
Capital
Tier 1 Leverage Ratio8.80%9.08%9.27%9.14%9.29%+50 bps
Total Risk-Based Capital13.99%14.26%14.03%13.95%14.39%+40 bps
Equity / Assets9.75%9.90%9.99%9.89%10.28%+53 bps
Liquidity & Funding
Loans / Deposits95.30%94.68%98.15%95.26%95.09%-22 bps
Liquid Assets / Assets3.69%4.51%1.74%4.65%4.46%+77 bps
CRE / Total Capitaln/an/an/an/an/an/an/a