Royal Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Royal Bancshares, Inc., a Bank Holding Co. was founded October 12, 1990, with the idea of establishing a regional financial institution in Southwest Wisconsin. The newly founded company immediately purchased The Bank of Elroy and the State Bank of Lone Rock. Four banking offices were located in Elroy, Lone Rock, Spring Green and Avoca. The combined assets of the Banks totaled $31,530,676. On June 15, 1991, Royal Bancshares, Inc. purchased the Liberty Bank & Trust of Gays Mills, bringing the total banking offices under the Royal Bancshares’ ownership to five.

On Friday, February 11, 2011, Royal Bank announced its acquisition of the assets and deposits of Badger State Bank, based in Cassville, Wisconsin from the Federal Deposit Insurance Corporation (FDIC). This addition increases banks locations to 15 cities to serve the communities of the south central Wisconsin area. Royal Bank offers checking, savings, convenient 24/7 banking, IRAs, insurance, consumer and commercial loans.

Elroy
202 Main Street
P.O. Box 10
Elroy, WI 53929
(608) 462-8401

Hillsboro
731 Water Avenue
P.O. Box 116
Hillsboro, WI 54634
(608) 489-2671

Cobb
104 W. Main Street
P.O. Box 187
Cobb, WI 53526
(608) 623-2313

Lone Rock
252 S. Oak Street
P.O. Box 247
Lone Rock, WI 53556
(608) 583-5711

Spring Green
152 S. Worcester St.
P.O. Box 309
Spring Green, WI 53588
(608) 588-7787

Avoca
102 N. 4th Street
P.O. Box 146
Avoca, WI 53506
(608) 532-6210

Mauston
523 State Road 82 E.
PO Box 139
Mauston, WI 53948
(608) 847-4500

Camp Douglas
201 Main Street
P.O. Box 291
Camp Douglas, WI 54618
(608) 427-3212

Endeavor
551 S. Church Street
P.O. Box 49
Endeavor, WI 53930
(608) 587-2300

Gays Mills
114 Highway 171 E.
P.O. Box 38
Gays Mills, WI 54631
(608) 735-4338

New Lisbon
201 E. Bridge Street
New Lisbon, WI 53950
(608) 562-5131

Oxford
107 E. Ormsby Street
P.O. Box 126
Oxford, WI 53952
(608) 586-4114

Dickeyville
100 Splinter Avenue
P.O. Box 9
Dickeyville, WI 53808
(608) 568-3334

Adams
185 S. Main Street
P.O. Box 490
Adams, WI 53910
(608) 339-3307

Cassville
201 E. Amelia Street
P.O. Box 26
Cassville, WI 53806
(608) 725-5121