Royal Bank of Scotland Financials


Royal Bank of Scotland has total assets of $168,229 million and year-to-date net operating income of $482 million. Royal Bank of Scotland financials obtained from the Federal Deposit Insurance Corporation (FDIC). Financial data is updated quarterly in Call Reports or Thrift Financial Reports filed by the bank. Data last updated on December 1, 2008 for the period ending on September 30, 2008.	Profile Financials Chargeoff Statistics Delinquency Statistics Assets Securitized and Sold Performance and Condition Ratios Royal Bank of Scotland Jobs

			All Banks

Assets	$ (millions)	% of Assets	$ (millions)	% of Assets
Loans Secured by Real Estate	67,217	39.96%	4,750,985	34.90%
1-4 Family Residential Mortgages	52,236	31.05%	2,754,199	20.23%
First Lien	27,842	16.55%	1,864,576	13.70%
Second Lien	11,757	6.99%	237,504	1.74%
Home Equity Lines	12,637	7.51%	652,119	4.79%
Multifamily Residential	1,208	0.72%	205,193	1.51%
Nonfarm Residential	11,457	6.81%	1,043,393	7.66%
Construction and Development	2,302	1.37%	617,055	4.53%
Farmland Loans	14	0.01%	62,138	0.46%
Loans Held in Foreign Offices	0	0.00%	69,008	0.51%
Commericial and Industrial Loans	19,412	11.54%	1,510,091	11.09%
Loans to Individuals	21,604	12.84%	1,082,731	7.95%
Credit Cards	2,281	1.36%	411,627	3.02%
Farm Loans	0	0.00%	59,656	0.44%
Other Loans and Leases	4,680	2.78%	595,646	4.38%
Less: Unearned Income	0	0.00%	2,741	0.02%
Total Loans and Leases	112,913	67.12%	8,000,084	58.77%
Less: Reserve for Losses	1,501	0.89%	156,065	1.15%
Net Loans and Leases	111,413	66.23%	7,844,019	57.62%
Securities	27,697	16.46%	2,027,739	14.90%
Other Real Estate Owned	51	0.03%	22,966	0.17%
Goodwill and Intangibles	13,230	7.86%	484,178	3.56%
All Other Assets	15,838	9.41%	3,207,062	23.56%
Total Assets	$168,229	100.00%	$13,613,150	100.00%

			All Banks

Liabilities and Capital	$ (millions)	% of Assets	$ (millions)	% of Assets
Deposits	93,942	55.84%	8,749,418	64.27%
Domestic Deposits	92,572	55.03%	7,230,058	53.11%
Transaction Accounts	10,738	6.38%	809,200	5.94%
Nontransaction Accounts	81,834	48.64%	6,420,965	47.17%
Money Market	23,579	14.02%	2,798,868	20.56%
Other Savings Accounts	28,869	17.16%	841,348	6.18%
Time Deposits	29,386	17.47%	2,773,205	20.37%
Foreign Deposits	1,370	0.81%	1,519,360	11.16%
Federal Funds Purchased	10,984	6.53%	936,578	6.88%
Trading Liabilities	506	0.30%	356,967	2.62%
Subordinated Debt	702	0.42%	176,833	1.30%
Other Borrowed Funds	36,917	21.94%	1,684,829	12.38%
All Other Liabilities	2,761	1.64%	401,428	2.95%
Equity Capital	22,417	13.33%	1,307,097	9.60%
Total Liabilities and Capital	$168,229	100.00%	$13,613,150	100.00%

			All Banks

Income Data (2008 YTD)	$ (millions)	% of Assets*	$ (millions)	% of Assets*
Total Interest Income	5,872	4.65%	487,019	4.77%
Total Interest Expense	2,800	2.22%	207,949	2.04%
Net Interest Income	3,072	2.43%	279,070	2.73%
Provision for Loan and Lease Losses	1,283	1.02%	124,517	1.22%
Total Noninterest Income	1,300	1.03%	175,521	1.72%
Total Noninterest Expense	2,349	1.86%	274,323	2.69%
Salaries and Benefits	1,095	0.87%	122,518	1.20%
Premises and Equipment Expense	464	0.37%	33,971	0.33%
Additional Noninterest Expense	789	0.63%	117,834	1.15%
Securities Gains (Losses)	66	0.05%	-8,037	-0.08%
Applicable Income Taxes	280	0.22%	15,679	0.15%
Extraordinary Gains, Net	0	0.00%	534	0.01%
Net Income	525	0.42%	32,569	0.32%
Cash Dividends, Net	0	0.00%	42,592	0.42%
Retained Earnings	525	0.42%	-10,023	-0.10%
Net Operating Income	$482	0.38%	$37,457	0.37%

* Annualized

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