0001140361-14-014443.txt : 20140327 0001140361-14-014443.hdr.sgml : 20140327 20140327171802 ACCESSION NUMBER: 0001140361-14-014443 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 16 CONFORMED PERIOD OF REPORT: 20131231 FILED AS OF DATE: 20140327 DATE AS OF CHANGE: 20140327 FILER: COMPANY DATA: COMPANY CONFORMED NAME: ROYAL BANCSHARES OF PENNSYLVANIA INC CENTRAL INDEX KEY: 0000922487 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 231627866 STATE OF INCORPORATION: PA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-26366 FILM NUMBER: 14722527 BUSINESS ADDRESS: STREET 1: 732 MONTGOMERY AVE CITY: NARBERTH STATE: PA ZIP: 19072 BUSINESS PHONE: 6106684700 MAIL ADDRESS: STREET 1: 732 MONGTOMERY AVENUE CITY: NARBERTH STATE: PA ZIP: 19072 10-K 1 form10k.htm ROYAL BANCSHARES OF PENNSYLVANIA INC 10-K 12-31-2013
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
 
WASHINGTON, D. C.  20549
 
 
FORM 10-K

x
ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2013

or

o
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from _______________________ to _______________________

Commission File Number 0-26366
 
ROYAL BANCSHARES OF PENNSYLVANIA, INC.
(Exact name of registrant as specified in its charter)
Pennsylvania
 
23-2812193
(State of other jurisdiction of incorporation or organization)
 
(I.R.S. Employer Identification No.)
 
 
 
732 Montgomery Avenue, Narberth, Pennsylvania
 
19072
(Address of principal executive offices)
 
(Zip Code)

(610) 668-4700
(Issuer’s telephone number, including area code)
 
 
        
(Former name, former address and former year, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:                                                                                                                                       

Name of Each Exchange on Which Registered
 
Title of Each Class
 
 
 
 The NASDAQ Stock Market, LLC
 
Class A Common Stock ($2.00 par value)
 
Securities registered pursuant to Section 12(g) of the Act:

Name of Each Exchange on Which Registered
Title of Each Class
 
None
Class B Common Stock ($0.10 par value)
 
Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. o Yes   x No
Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15(d) of the Exchange Act.o Yes x No

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 of 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.   Yes x    No o

Indicate by checkmark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding twelve months (or for such shorter period that the registrant was required to submit and post such files).  Yes x    No o

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. x
 
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer,” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one):

Large accelerated filer o
Accelerated filer o
Non-accelerated filer o
Small reporting company x
 
Indicate by check mark whether the registrant is a shell company (as defined in rule 12b-2 of the Exchange Act) Yes o   No x

The aggregate market value of the Registrant’s Common Stock held by non-affiliates is $7,520,307 based on the June 30, 2013 closing price of the Registrant’s Common Stock of $1.42 per share.

As of February 28, 2014, the Registrant had 11,032,162 and 1,987,142 shares outstanding of Class A and Class B common stock, respectively.

Documents Incorporated by Reference

Portions of the following documents are incorporated by reference: the definitive Proxy Statement of the Registrant relating to Registrant’s Annual meeting of Shareholders to be held on June 18, 2014—Part III.

FORWARD LOOKING STATEMENTS
 
From time to time, Royal Bancshares of Pennsylvania, Inc. (the “Company”) may include forward-looking statements relating to such matters as anticipated financial performance, business prospects, technological developments, new products, research and development activities and similar matters in this and other filings with the Securities and Exchange Commission. The Private Securities Litigation Reform Act of 1995 provides a safe harbor for forward-looking statements. When we use words such as “believes,” “expects,” “anticipates”, “could”, “may”, “plan”, or similar expressions, we are making forward-looking statements.
 
In order to comply with the terms of the safe harbor, the Company notes that a variety of factors could cause the Company’s actual results and experience to differ materially from the anticipated results or other expectations expressed in the Company’s forward-looking statements. The risks and uncertainties that may affect the operations, performance development and results of the Company’s business include the following: general economic conditions, including their impact on capital expenditures; interest rate fluctuations; business conditions in the banking industry; the regulatory environment: the nature, extent, and timing of governmental actions and reforms, including the rules of participation for the Troubled Asset Relief Program voluntary Capital Purchase Plan under the Emergency Economic Stabilization Act of 2008, which may be changed unilaterally and retroactively by legislative or regulatory actions; rapidly changing technology and evolving banking industry standards; competitive factors, including increased competition with community, regional and national financial institutions; new service and product offerings by competitors and price pressures and similar items.
 
All forward-looking statements contained in this report are based on information available as of the date of this report.  These statements speak only as of the date of this report, even if subsequently made available by the Company on its website, or otherwise.  The Company expressly disclaims any obligation to update any forward-looking statement to reflect future statements to reflect future events or developments.
3
PART I
 
ITEM 1. BUSINESS
 
Royal Bancshares of Pennsylvania, Inc.
 
Royal Bancshares of Pennsylvania, Inc. (the “Company”), is a Pennsylvania business corporation and a bank holding company registered under the Federal Bank Holding Company Act of 1956, as amended (the “BHCA”). The Company is supervised by the Board of Governors of the Federal Reserve System (“Federal Reserve Board”).  The Company’s legal headquarters are located at 732 Montgomery Avenue, Narberth, Pennsylvania, 19072.
 
The principal activities of the Company are supervising Royal Bank America (“Royal Bank”) which engages in general banking business principally in Montgomery, Delaware, Chester, Bucks, Philadelphia and Berks counties in Pennsylvania, southern New Jersey, and Delaware.  Royal Bank is subject to supervision, regulation and examination by the Federal Deposit Insurance Corporation (“FDIC”) and by the Pennsylvania Department of Banking (the “Department”).  The Company also has a wholly-owned non-bank subsidiary, Royal Investments of Delaware, Inc., which is engaged in investment activities.
 
At December 31, 2013, the Company had consolidated total assets of approximately $732.3 million, total deposits of approximately $529.0 million and shareholders’ equity of approximately $47.8 million. The Company’s two Delaware trusts, Royal Bancshares Capital Trust I and Royal Bancshares Capital Trust II, are not consolidated per requirements under Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 810, “Consolidation” (“ASC Topic 810”).  The Company has two reportable operating segments, “Community Banking” and “Tax Liens”.
 
Regulatory Actions
 
FDIC and Department of Banking Memorandum of Understanding
 
During the fourth quarter of 2011, Royal Bank entered into an informal agreement, known as a memorandum of understanding (“MOU”) with each of the FDIC and the Department. Included in the MOU is the requirement of maintaining a ratio of tier 1 capital to total assets (“leverage ratio”) equal to or greater than 8% and a total risk-based capital ratio equal to or greater than 12%. At December 31, 2013, based on capital levels calculated under regulatory accounting purposes (“RAP”), Royal Bank’s leverage and total risk-based capital ratios were 9.21% and 15.71%, respectively.  See “Capital Adequacy” in “Item 7. Management’s Discussions and Analysis of Financial Condition and Results of Operations” of this Form 10-K for additional information regarding capital ratios.
 
Federal Reserve Memorandum of Understanding
 
As previously disclosed, in March 2010, the Company agreed to enter into a written agreement (the “Federal Reserve Agreement”) with the Federal Reserve Bank of Philadelphia (the “Federal Reserve Bank”).  Effective July 17, 2013, the Board of Governors of the Federal Reserve System terminated the enforcement action under the Federal Reserve Agreement, and it was replaced with an informal non-public agreement, an MOU, with the Federal Reserve Bank.  Included in the MOU are certain continued reporting requirements and a requirement that the Company receive the prior approval of the Federal Reserve Bank prior to declaring or paying any dividends on the Company’s common stock, making interest payments related to the Company’s outstanding trust preferred securities or subordinate securities, incurring or guaranteeing certain debt with an original maturity date greater than one year, and purchasing or redeeming any shares of stock.  The MOU will remain in effect until stayed, modified, terminated or suspended in writing by the Federal Reserve Bank.
4
Royal Bank America
 
Royal Bank was incorporated in the Commonwealth of Pennsylvania on July 30, 1963, was chartered by the Department, and commenced operation as a Pennsylvania state-chartered bank on October 22, 1963.  Royal Bank is the successor of the Bank of King of Prussia, the principal ownership of which was acquired by the Tabas family in 1980.  The deposits of Royal Bank are insured by the FDIC.  On October 17, 2008, December 1, 2008, and November 4, 2009, Royal Bank established RBA Property LLC, Narberth Property Acquisition LLC, and Rio Marina LLC, respectively.  All three wholly-owned subsidiaries were formed to hold other real estate owned (“OREO”) acquired through foreclosure of collateral associated with non-performing loans.  Royal Bank had a 60% ownership interest in Crusader Servicing Corporation (“CSC”) and Royal Tax Lien Services (“RTL”), LLC. CSC and RTL acquired, through public auction, delinquent tax liens in various jurisdictions thereby assuming a superior lien position to most other lien holders, including mortgage lien holders.  Effective December 31, 2013, Royal Bank agreed to a $1.25 million cash settlement with the former President of CSC and RTL, in which Royal Bank acquired his 40% ownership interest in RTL for $850,000.  The former President also relinquished his 20% ownership interest in CSC to Royal Bank. The combined value of the ownership interests was $2.6 million.  The settlement resulted in a $1.5 million gain for Royal Bank which was recorded as an increase to Additional Paid in Capital within Stockholders Equity.  As part of the cash settlement Royal Bank agreed to pay $400,000 for prior tax distribution. Additionally, the settlement agreement also includes a possible tax payment upon completion of the 2013 Forms K-1.  Effective, December 31, 2013, Royal Bank is an 80% owner of CSC and 100% owner of RTL.
 
Royal Bank derives its income principally from interest charged on loans and leases, interest earned on investment securities, and fees received in connection with the origination of loans and other services.  Royal Bank’s principal expenses are interest expense on deposits and borrowings and operating expenses.  Operating revenues, deposit growth, investment maturities, loan sales and the repayment of outstanding loans provide the majority of funds for activities.
 
Royal Bank conducts business operations as a commercial bank offering checking, money market and savings accounts and time deposits, and commercial and consumer loans, including residential mortgages, home equity and SBA loans.  Royal Bank also offers safe deposit boxes, collections, internet banking and bill payment along with other customary bank services (excluding trust) to its customers.  Drive-up, ATM, and night depository facilities are available.  Services may be added or deleted from time to time.  Royal Bank’s business and services are not subject to significant seasonal fluctuations.  Royal Bank is a member of the Federal Reserve FedLine Wire Transfer System.
 
Service Area:  Royal Bank’s primary service area includes Pennsylvania, primarily Montgomery, Chester, Bucks, Delaware, Berks and Philadelphia counties, and Camden and Gloucester counties in New Jersey.  This area includes residential areas and industrial and commercial businesses of the type usually found within a major metropolitan area.  Royal Bank serves this area from thirteen retail branches located throughout Montgomery, Philadelphia, Delaware and Berks counties and Camden County, New Jersey.  Royal Bank also considers New York, Maryland, and Delaware as a part of its service area for certain products and services.  In the past, Royal Bank had frequently conducted business with clients located outside of its service area.  Royal Bank has loans in fourteen states via loan originations and/or participations with other lenders who have broad experience in those respective markets. Royal Bank’s headquarters are located at 732 Montgomery Avenue, Narberth, Pennsylvania 19072.
 
Competition:  The financial services industry in our service area is extremely competitive.  Competitors within our service area include banks and bank holding companies with greater resources.  Many competitors have substantially higher legal lending limits.  In addition, savings banks, savings and loan associations, credit unions, money market and other mutual funds, brokerage firms, mortgage companies, leasing companies, finance companies and other financial services companies offer products and services similar to those offered by Royal Bank, on competitive terms.
 
Many bank holding companies have elected to become financial holding companies under the Gramm-Leach-Bliley Act of 1999, such companies may provide a broader range of products and services with which Royal Bank must compete.  Management believes this statute further narrowed the differences and intensified competition among commercial banks, investment banks, insurance firms and other financial services companies.  The Company has not elected financial holding company status.
 
Employees:  Royal Bank employed approximately 115 persons on a full-time equivalent basis as of December 31, 2013.
5
Deposits: At December 31, 2013, total deposits of Royal Bank were distributed among demand deposits (12%), money market deposit, savings and NOW accounts (43%) and time deposits (45%).  At year-end 2013, deposits decreased $29.4 million to $531.6 million, from year-end 2012, or 5.2%.  Time deposits decreased $14.8 million primarily due to the intentional run-off of maturing CDs.  Additionally, NOW and money market accounts and demand deposits declined $13.2 million and $1.4 million, respectively.   Included in Royal Bank’s deposits are approximately $2.7 million of intercompany deposits that are eliminated through consolidation.
 
Lending:  At December 31, 2013, Royal Bank had a total net loan portfolio of $352.8 million, representing 48.6% of total assets.  The loan portfolio is categorized into commercial demand, commercial mortgages, residential mortgages (including home equity lines of credit), construction, real estate tax liens, asset based loans, small business leases and installment loans.  At year-end 2013, net loans grew $25.9 million from year end 2012.
 
Non-Bank Subsidiaries
 
On June 30, 1995, the Company established a special purpose Delaware investment company, Royal Investment of Delaware (“RID”), as a wholly-owned subsidiary.  RID’s legal headquarters is 1105 N. Market Street, Suite 1300, Wilmington, Delaware 19899.  RID buys, holds and sells investment securities. At December 31, 2013, total assets of RID were $30.1 million, of which $2.9 million was held in cash and cash equivalents and $3.5 million was held in investment securities.  RID had net interest income of $664,000 and $665,000 for 2013 and 2012, respectively.  Non-interest income for 2013 was $95,000 and included gains on sale of investment securities.  Non-interest income for 2012 was a loss of $1.7 million and included other-than-temporary impairment (“OTTI”) on investment securities of $2.4 million which was partially offset by gains on sale of investment securities of $654,000.  RID recorded net income of $728,000 for 2013 compared to a net loss of $1.0 million for 2012.  Royal Bank has previously extended loans to RID, secured by securities and as per the provisions of Regulation W.  At December 31, 2013, no loans were outstanding.  The amounts above include the activity related to RID’s wholly-owned subsidiary Royal Preferred LLC.
 
The Company, through its wholly-owned subsidiary Royal Bank, held a 60% ownership interest in CSC.  CSC acquired, through auction, delinquent property tax certificates in various jurisdictions, assuming a lien position that is generally superior to any mortgage liens on the property, and obtaining certain foreclosure rights as defined by state law.  Due to a change in CSC management, Royal Bank and other shareholders, constituting a majority of CSC shareholders, voted to liquidate CSC under an orderly, long term plan adopted by CSC management.  As mentioned previously, effective December 31, 2013, Royal Bank reached a settlement with the former President of CSC in which he relinquished his 20% ownership of CSC to Royal Bank. CSC’s legal headquarters is located at 732 Montgomery Avenue, Narberth, Pennsylvania 19072. At December 31, 2013 and 2012, total assets of CSC were $4.8 million and $6.7 million, respectively.  For 2013, CSC recorded net interest expense of $179,000 compared to net interest income of $74,000 for 2012 due to the continued liquidation of CSC’s tax lien portfolio.  The 2013 provision for lien losses was $184,000 compared to $236,000 for 2012.  For 2013 and 2012, non-interest income was $268,000 and $86,000, respectively.  Non-interest income is mostly comprised of gains on sales of OREO.  Non-interest expense was $590,000 and $2.9 million for 2013 and 2012, respectively.   The $2.3 million decrease in non-interest expense was principally driven by a $2.0 million fine assessed in 2012 by the United States Department of Justice (“DOJ”) related to its investigation.  See “Item 3 Legal Proceedings” of this Form 10-K for additional information regarding the DOJ investigation.  CSC recorded a net loss of $686,000 in 2013 compared to $3.0 million in 2012.  The 2012 loss was impacted by the $2.0 million fine and OREO impairment of $495,000.
 
On June 23, 2003, the Company, through its wholly-owned subsidiary Royal Bank, established Royal Investments America, LLC (“RIA”) as a wholly-owned subsidiary.  RIA’s legal headquarters is located at 732 Montgomery Avenue, Narberth, Pennsylvania 19072.  RIA was formed to invest in equity real estate ventures subject to limitations imposed by regulation.  At December 31, 2013 and 2012, total assets of RIA were $5.9 million, which included $5.4 million and $5.3 million in cash, respectively.  For 2013, RIA had a net loss of $10,000 compared to net income of $69,000 for 2012.  The $79,000 decline in net income was related to $75,000 recorded in 2012 for income related to an equity investment in real estate.
 
On October 27, 2004, the Company formed two Delaware trust affiliates, Royal Bancshares Capital Trust I and Royal Bancshares Capital Trust II, in connection with the sale of an aggregate of $25.0 million of trust preferred securities.
6
On July 25, 2005, the Company, through its wholly-owned subsidiary Royal Bank, formed Royal Bank America Leasing, LP (“Royal Leasing”). Royal Bank holds a 60% ownership interest in Royal Leasing. Royal Leasing’s legal headquarters is located at 550 Township Line Road, Blue Bell, Pennsylvania 19422.  Royal Leasing was formed to originate small business financing leases.  Royal Leasing originates the leases through its internal sales staff and through independent brokers located throughout its business area. In general, Royal Leasing will hold in its portfolio individual leases in amounts of up to $250,000. Leases originated in amounts in excess of that are sold to other leasing companies. At December 31, 2013 and 2012, total assets of Royal Leasing were $42.3 million and $37.1 million, respectively.  For 2013 and 2012, Royal Leasing had net interest income of $2.2 million.  For 2013, the provision for lease losses was $468,000 compared to $230,000 for 2012.  The increase in the provision was primarily related to the growth in the leasing portfolio year over year.  Total net leases were $42.1 million at December 31, 2013 compared to $36.8 million at December 31, 2012.  Non-interest income for 2013 was $604,000 compared to $574,000 for 2012.  Non-interest expense was $1.2 million for 2013 and 2012.  Royal Leasing recorded net income prior to management distribution fees of $1.9 million for the year ended December 31, 2013 compared to a $1.7 million for the year ended December 31, 2012.
 
On November 17, 2006, the Company, through its wholly-owned subsidiary Royal Bank, formed RTL to purchase and service delinquent tax certificates.  RTL typically acquired delinquent property tax certificates through public auctions in various jurisdictions, assuming a lien position that is generally superior to any mortgage liens that are on the property, and obtaining certain foreclosure rights as defined by state law. RTL ceased acquiring tax certificates at public auctions in 2010.  Royal Bank held a 60% ownership interest in RTL. As mentioned previously, effective December 31, 2013, Royal Bank reached a $1.25 million settlement with the former President of RTL in which Royal Bank acquired his 40% ownership of RTL for $850,000 and agreed to pay $400,000 for tax distributions. RTL’s legal headquarters is located at 732 Montgomery Avenue, Narberth, Pennsylvania 19072.  At December 31, 2013, total assets of RTL, of which the majority was held in tax certificates, were $21.7 million compared to $30.6 million at December 31, 2012.  Tax certificates declined $8.9 million from $20.7 million at December 31, 2012 to $11.8 million at December 31, 2013.  For 2013, RTL had net interest income of $1.1 million compared to $2.3 million for 2012 due to the reduction in average tax certificates outstanding over the past year.  Provision for lien losses was $402,000 compared to $584,000 for 2013 and 2012, respectively.  Non-interest expense was $3.8 million and $2.3 million for 2013 and 2012, respectively.  The $1.5 million increase in non-interest expense was mostly related to a $1.65 million loss contingency accrual for a settlement of a class action lawsuit. See “Item 3 Legal Proceedings” of this Form 10-K for additional information regarding the lawsuit.  RTL recorded a net loss of $1.9 million for 2013 compared to net income of $44,000 for 2012.
 
On June 16, 2006, the Company, through its wholly-owned subsidiary RID, established Royal Preferred LLC as a wholly-owned subsidiary. Royal Preferred LLC was formed to purchase a subordinated debenture from Royal Bank. At December 31, 2013 and 2012, Royal Preferred LLC had total assets of approximately $24.1 million and $23.5 million, respectively.
 
Website Access to Company Reports
 
We post publicly available reports required to be filed with the SEC on our website, www.royalbankamerica.com, as soon as reasonably practicable after filing such reports with the SEC.  The required reports are available free of charge through our website.  Information available on our website is not part of or incorporated by reference into this Report or any other report filed by this Company with the SEC.
 
Products and Services with Reputation Risk
 
The Company offers a diverse range of financial and banking products and services.  In the event one or more customers and/or governmental agencies become dissatisfied or object to any product or service offered by the Company or any of its subsidiaries, whether legally justified or not, the resulting negative publicity with respect to any such product or service could have an adverse impact on the Company’s reputation.  The discontinuance of any product or service, whether or not any customer or governmental agency has challenged any such product or service, could have an unfavorable impact on the Company’s reputation.
 
Future Acquisitions
 
The Company’s acquisition strategy consists of identifying financial institutions and other financial companies with business philosophies that are similar to our business philosophies, which operate in strong markets that are geographically compatible with our operations, and which can be acquired at an acceptable cost.  In evaluating acquisition opportunities, we generally consider potential revenue enhancements and operating efficiencies, asset quality, interest rate risk, and management capabilities.  The Company currently has no formal commitments with respect to future acquisitions.
7
Concentrations, Seasonality
 
The Company does not have any portion of its business dependent on a single or limited number of customers, the loss of which would have a material adverse effect on its business.  No substantial portion of loans or investments is concentrated within a single industry or group of related industries, but a significant majority of loans are secured by real estate.  The business of the Company and its subsidiaries is not seasonal in nature.
 
Environmental Compliance
 
The Company and its subsidiaries’ compliance with federal, state and local environment protection laws had no material effect on their capital expenditures, earnings or competitive position in 2013, and is not expected to have a material effect on such expenditures, earnings or competitive position in 2014.
 
Supervision and Regulation
 
Bank holding companies and banks operate in a highly regulated environment and are regularly examined by federal and state regulatory authorities.  The following discussion concerns various federal and state laws and regulations and the potential impact of such laws and regulation on the Company and its subsidiaries.  To the extent that the following information describes statutory or regulatory provisions, it is qualified in its entirety by reference to the particular statutory or regulatory provisions themselves.  Proposals to change laws and regulations are frequently introduced in Congress, the state legislatures, and before the various bank regulatory agencies.  The Company cannot determine the likelihood or timing of any such proposals or legislations or the impact they may have on the Company and its subsidiaries.  A change in law, regulations or regulatory policy may have a material effect on the Company’s business.
 
Holding Company
 
The Company, as a Pennsylvania business corporation, is subject to the jurisdiction of the Securities and Exchange Commission (the “SEC”) and of state securities commissions for matters relating to the offering and sale of its securities.  Accordingly, if the Company wishes to issue additional shares of its Common Stock, in order, for example, to raise capital or to grant stock options, the Company will have to comply with the registration requirements of the Securities Act of 1933 as amended, or find an applicable exemption from registration.
 
The Company is subject to the provisions of the BHCA and to supervision, regulation and examination by the Federal Reserve Board.  The BHCA requires the Company to secure the prior approval of the Federal Reserve Board before it owns or controls, directly or indirectly, more than 5% of the voting shares of any corporation, including another bank.  A bank holding company also is prohibited from engaging in or acquiring direct or indirect control of more than 5% of the voting shares of any such company engaged in non-banking activities unless the Federal Reserve Board, by order or regulation, has found such activities to be closely related to banking or managing or controlling banks as to be a proper incident thereto.  In making this determination, the Federal Reserve Board considers whether the performance of these activities by a bank holding company would offer benefits to the public that outweigh possible adverse effects.
 
As a bank holding company, the Company is required to file an annual report with the Federal Reserve Board and any additional information that the Federal Reserve Board may require pursuant to the BHCA. The Federal Reserve Board may also make examinations of the Holding Company and any or all of its subsidiaries.  Further, under the BHCA and the Federal Reserve Board’s regulations, a bank holding company and its subsidiaries are prohibited from engaging in certain tying arrangements in connection with any extension of credit or provision of credit of any property or services.The so called “anti-tying” provisions state generally that a bank may not extend credit, lease, sell property or furnish any service to a customer on the condition that the customer obtain additional credit or services from the banks, its bank holding company or any other subsidiary of its bank holding company, or on the condition that the customer not obtain other credit or services from a competitor of the bank, its bank holding company or any subsidiary of its bank holding company.  Subsidiary banks of a bank holding company are subject to certain restrictions imposed by the Federal Reserve Act and by state banking laws on any extensions of credit to the bank holding company or any of the holding company’s subsidiaries, on investments in the stock or other securities of the bank holding company and on taking stock or securities of the bank holding company as collateral for loans to any borrower.
8
Under the Pennsylvania Banking Code of 1965, as amended, the (“Code”), the Company is permitted to control an unlimited number of banks.  However, the Company would be required under the BHCA to obtain the prior approval of the Federal Reserve Board before it could acquire all or substantially all of the assets of any bank, or acquiring ownership or control of any voting shares of any bank other than Royal Bank, if, after such acquisition, the registrant would own or control more than 5% of the voting shares of such bank.  A bank holding company located in Pennsylvania, another state, the District of Columbia or a territory or possession of the United States may control one or more banks, bank and trust companies, national banks, interstate banks and, with the prior written approval of the Department, may acquire control of a bank and trust company or a national bank located in Pennsylvania.  A Pennsylvania-chartered institution may maintain a bank, branches in any other state, the District of Columbia, or a territory or possession of the United States upon the written approval of the Department.
 
Federal law also prohibits the acquisition of control of a bank holding company without prior notice to certain federal bank regulators.  Control is defined for this purpose as the power, directly or indirectly, to direct the management or policies of a bank or bank holding company or to vote 25% or more of any class of voting securities of a bank or bank holding company.
 
Royal Bank
 
The Department and the FDIC routinely examine Pennsylvania state-chartered, non-member banks such as Royal Bank in areas such as reserves, loans, investments, management practices, and other aspects of operations. These examinations are designed for the protection of depositors rather than the Company’s shareholders.  As previously mentioned under “Regulatory Actions”, Royal Bank entered into a MOU with both the FDIC and the Department. The deposits of Royal Bank are insured by the FDIC to the maximum amount permitted by law.
 
In addition, Royal Bank is subject to a variety of state and federal laws that affect its operation.  Federal and state banking laws and regulations govern, among other things, the scope of a bank’s business, the investments a bank may make, the reserves against deposits a bank must maintain, the types and terms of loans a bank may make and the collateral it may take, the activities of banks with respect to mergers and consolidations, and the establishment of branches.  Pennsylvania law permits statewide branching.
 
Under the Federal Deposit Insurance Act (“FDIC Act”), the FDIC possesses the power to prohibit institutions regulated by it (such as Royal Bank) from engaging in any activity that would be an unsafe and unsound banking practice or in violation of applicable law.  Moreover, the FDIC Act: (i) empowers the FDIC to issue cease-and-desist or civil money penalty orders against Royal Bank or its executive officers, directors and/or principal shareholders based on violations of law or unsafe and unsound banking practices; (ii) authorizes the FDIC to remove executive officers who have participated in such violations or unsound practices; (iii) restricts lending by Royal Bank to its executive officers, directors, principal shareholders or related interests thereof; and (iv) restricts management personnel of a bank from serving as directors or in other management positions with certain depository institutions whose assets exceed a specified amount or which have an office within a specified geographic area.  Additionally, the FDIC Act provides that no person may acquire control of Royal Bank unless the FDIC has been given 60-days prior written notice and within that time has not disapproved the acquisition or extended the period for disapproval.
 
Under the Community Reinvestment Act (“CRA”), the FDIC uses a five-point rating scale to assign a numerical score for a bank’s performance in each of three areas: lending, service and investment.  Under the CRA, the FDIC is required to:  (i) assess the records of all financial institutions regulated by it to determine if these institutions are meeting the credit needs of the community (including low-and moderate-income neighborhoods) which they serve, and (ii) take this record into account in its evaluation of any application made by any such institutions for, among other things, approval of a branch or other deposit facility, office relocation, a merger or an acquisition of another bank.  The CRA also requires the federal banking agencies to make public disclosures of their evaluation of each bank’s record of meeting the credit needs of its entire community, including low-and moderate-income neighborhoods.  This evaluation will include a descriptive rating (“outstanding,” “satisfactory,” “needs to improve” or “substantial noncompliance”) and a statement describing the basis for the rating.
9
The Federal Reserve Act, as amended and Federal Reserve Board regulations also place certain limitations and reporting requirements on extensions of credit by a bank to principal shareholders of its parent holding company, among others, and to related interests of such principal shareholders. In addition, such legislation and regulations may affect the terms upon which any person who becomes a principal shareholder of a holding company may obtain credit from banks with which the subsidiary bank maintains a correspondent relationship.
 
From time to time, various types of federal and state legislation have been proposed that could result in additional regulation of, and restrictions on, the business of Royal Bank.  It cannot be predicted whether any such legislation will be adopted or how such legislation would affect the business of Royal Bank.  As a consequence of the extensive regulation of commercial banking activities in the United States, Royal Bank’s business is particularly susceptible to being affected by federal legislation and regulations that may increase the costs of doing business.
 
Under the Bank Secrecy Act (“BSA”), banks and other financial institutions are required to report to the Internal Revenue Service currency transactions of more than $10,000 or multiple transactions in any one day of which the banks are aware that exceed $10,000 in the aggregate.  Civil and criminal penalties are provided under the BSA for failure to file a required report, for failure to supply information required by the BSA or for filing a false or fraudulent report.
 
Capital Requirements and Basel III:  In order to minimize losses to the deposit insurance funds, the Federal Deposit Insurance Corporation Improvement Act of 1991 (“FDICIA”), established a format to monitor FDIC-insured institutions and to enable “prompt corrective action” by the appropriate federal supervisory agency if an institution begins to experience any difficulty.  The FDICIA establishes five capital categories for insured depository institutions under the prompt corrective action regulations:
 
· Well capitalized—equals or exceeds a 10%  total risk-based capital ratio, 6% tier 1 risk-based capital ratio, and 5% leverage ratio and is not subject to any written agreement, order or directive requiring it to maintain a specific level for any capital measure;
 
· Adequately capitalized—equals or exceeds an 8 % total risk-based capital ratio, 4% tier 1 risk-based capital ratio, and 4% leverage ratio;
 
· Undercapitalized—total risk-based capital ratio of less than 8%, or a tier 1 risk-based ratio of less than 4%, or a leverage ratio of less than 4% (3% for institutions with a regulatory rating of 1 that do not evidence rapid growth or other heightened risk indicators);
 
· Significantly undercapitalized—total risk-based capital ratio of less than 6%, or a tier 1 risk-based capital ratio of less than 3%, or a leverage ratio of less than 3%; and
 
· Critically undercapitalized—a ratio of tangible equity to total assets equal to or less than 2%.

An “undercapitalized” institution is one that fails to meet one or more of the required minimum capital levels for an adequately capitalized institution.  An “undercapitalized institution” must file a capital restoration plan and is automatically subject to restrictions on dividends, management fees and asset growth.  In addition, the institution is prohibited from making acquisitions, opening new branches, engaging in new lines of business without the prior approval of its primary federal regulator and other restrictions may be imposed.
 
A “significantly undercapitalized” institution is subject to similar regulatory requirements and restrictions as an “undercapitalized institution.  Additional regulatory directives include mandated capital raising activities, restrictions on interest rates paid and transactions with affiliates, removal of management and other restrictions.
 
A “critically undercapitalized” institution is prohibited from taking the following actions without the prior written approval of its primary federal supervisory agency:  engaging in any material transactions other than in the usual course of business; extending credit for highly leveraged transactions; amending its charter or bylaws; making any material changes in accounting methods; engaging in certain transactions with affiliates; paying excessive compensation or bonuses; and paying interest on liabilities exceeding the prevailing rates in the institution’s market area.  In addition, a “critically undercapitalized” institution is prohibited from paying interest or principal on its subordinated debt and is subject to being placed in conservatorship or receivership if its tangible equity capital level is not increased within certain mandated time frames.
10
The overall goal of these capital measures is to impose scrutiny and operational restrictions on banks as they descend the capital categories from well capitalized to critically undercapitalized.  Federal bank regulators may set capital requirements for a particular banking organization that are higher than the minimum ratios when circumstances warrant. As mentioned under “Regulatory Actions”, Royal Bank has a requirement of maintaining a minimum leverage ratio of 8% and a minimum total risk-based capital ratio of 12%. At December 31, 2013, based on capital levels calculated under RAP, Royal Bank’s leverage and total risk-based capital ratios were 9.13% and 15.61%, respectively.
 
The Basel Committee on Banking Supervision and the Financial Stability Board (“Basel Committee”), which was established by the Group of 20 (“G-20”) Finance Ministers and Central Bank Governors to take action to strengthen regulation and supervision of the financial system with greater international consistency, cooperation and transparency, have both committed to raise capital standards and liquidity buffers within the banking system. In December 2010 and January 2011, the Basel Committee published the final reforms on capital and liquidity generally referred to as “Basel III”.
 
In July 2013, the federal bank regulatory agencies adopted final rules with the aim to improve the quality and increase the quantity of capital for all banks as well as set higher standards for large internationally active banks. The agencies view the new capital requirements as a better reflection of banking organizations’ risk profiles, thereby improving the overall resiliency of the banking system. The rules generally implement higher minimum capital requirements, add a new common equity tier 1 capital requirement or “CET1”, and establish criteria that instruments must meet to be considered common equity tier 1 capital, additional tier 1 capital, or tier 2 capital.  Basel III also introduces a non-risk adjusted tier 1 leverage ratio of 3%, based on a measure of total exposure rather than total assets, and new liquidity.  Under the new rules, in order to avoid limitations on capital distributions (including dividend payments and certain discretionary bonus payments to executive officers), a banking organization must hold a capital conservation buffer comprised of CET1 above its minimum risk-based capital requirements in an amount greater than 2.5% of total risk-weighted assets.   The new minimum capital requirements are effective on January 1, 2015.  The capital conservation buffer requirements phase in over a three-year period beginning January 1, 2016.
 
The following table shows the required capital ratios with the conservation buffer over the phase-in period.
 
 
 
Basel III Community Banks
 
 
Minimum Capital Ratio Requirments
 
 
2015
 
2016
 
2017
 
2018
 
2019
 
 
 
 
 
 
 
 
 
 
 
Common equity tier 1 capital (CET1)
 
4.500%
 
5.125%
 
5.750%
 
6.375%
 
7.000%
Tier I capital (to risk-weighted assets)
 
6.000%
 
6.625%
 
7.250%
 
7.875%
 
8.500%
Total capital (to risk-weighted assets)
 
8.000%
 
8.625%
 
9.250%
 
9.875%
 
10.500%
Tier I capital (to average assets, leverage)
 
4.000%
 
4.000%
 
4.000%
 
4.000%
 
6.500%

The July 2013 final rules include three significant changes from earlier proposals:  (i) the final rules do not change the current risk weighting for residential mortgage exposures; (ii) the final rules permit institutions, other than certain large institutions, to elect to continue to treat certain components of accumulated other comprehensive income as permitted under the current general risk-based capital rules, and not reflect unrealized gains and losses on available-for-sale securities in common equity tier 1 calculations; and (iii) the final rules permit institutions with less than $15.0 billion in assets to grandfather certain non-qualifying capital instruments (including trust preferred securities) issued prior to May 19, 2009 into tier 1 capital.  Requirements to maintain higher levels of capital or to maintain higher levels of liquid assets could adversely impact the Company’s results of operations.  The Company believes that, as of December 31, 2013, the Company and Royal Bank would meet the minimum capital adequacy requirements under the proposed rules on a fully phased-in basis if such requirements were currently effective. The following table shows our capital ratios under the new requirements.
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Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010: On July 21, 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the “Dodd-Frank Act”) was enacted into law.  The Dodd-Frank Act significantly changes the regulation of financial institutions and the financial services industry and includes provisions that, among other things:
 
· create the Financial Services Oversight Council to identify emerging systemic risks and improve interagency cooperation;
 
· centralize the responsibility for consumer financial protection by creating a new agency, the Consumer Financial Protection Bureau, which will be responsible for implementing, examining and enforcing compliance with federal consumer financial laws;
 
· permanently raise the current standard maximum deposit insurance amount to $250,000;
 
 
 · establish strengthened capital standards for banks, and disallowing trust preferred securities as qualifying as Tier 1 capital (subject to certain exceptions and grandfather provisions for existing trust preferred securities);
 
· amend the Truth in Lending Act with respect to mortgage originations and establishing new minimum mortgage underwriting standards;
 
· strengthen the SEC’s powers to regulate securities markets;
 
· grant the Federal Reserve Board the power to regulate debit card interchange fees;
 
· allow the FDIC to raise the ratio of reserves to deposits from 1.15% to 1.35% for deposit insurance purposes by September 30, 2020 and to offset the effect of increased assessments on insured depository institutions with assets of less than $10 billion;
 
· allow financial institutions to pay interest on business checking accounts; and
 
· implement provisions that affect corporate governance and executive compensation at all publicly traded companies.
 
Additionally the Dodd-Frank Act amended the BHCA to require the federal financial regulatory agencies to adopt rules that prohibit banks and their affiliates from engaging in proprietary trading in designated types of financial instruments and investing in covered funds. This statutory provision, commonly known as the “Volcker Rule,” defines covered funds as hedge funds or private equity funds.  While the Federal Reserve Board issued the final rule on December 10, 2013, community banks have until July 21, 2015 to conform their activities and policies to the final rule. If a community bank were to retain an ownership interest in a covered fund that it organized and offered, the final rule places a number of limitations on those ownership interests. In particular, the community bank (including all its affiliates) must limit its total interest in each covered fund to no more than 3% of the ownership interests issued by the covered fund, and to no more than 3% of the value of the entire covered fund. In addition, the aggregate of all interests the community bank (together with its affiliates) has in all covered funds may not exceed 3 percent of the community bank’s tier 1 capital.  At December 31, 2013, the Company had $4.1 million invested in private equity funds, of which $597,000 is invested by Royal Bank.  Management believes that the Volker Rule will not have a material impact on the operations of the Company and/or Royal Bank.
 
It is difficult to predict the specific impact the Dodd-Frank Act will have on community banks since many of the required regulations have not yet been proposed or finalized by the regulatory agencies. Given the uncertainty associated with the manner in which the provisions of the Dodd-Frank Act will be implemented by the various regulatory agencies and through regulations, the full extent of the impact such requirements will have on the Company’s and Royal Bank’s operations is presently unclear. The changes resulting from the Dodd-Frank Act may impact the profitability of our business activities, require changes to certain of our business practices, impose upon us more stringent capital, liquidity and leverage ratio requirements or otherwise adversely affect our business. These changes may also require us to invest significant management attention and resources to evaluate and make necessary changes in order to comply with new statutory and regulatory requirements.
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FDIC Insurance Assessments:  Royal Bank is a member of the FDIC.  The FDIC assigns each depository institution to one of several supervisory groups based on both capital adequacy and the FDIC's judgment of the institution's strength in light of supervisory evaluations, including examination reports, statistical analyses and other information relevant to measuring the risk posed by the institution.  Each depositor is insured to at least $250,000.
 
Beginning with the second quarter of 2011, the Dodd-Frank Act, changed the assessment base used to calculate insurance premiums.  Instead of deposits the assessment base is a bank’s average assets minus average tangible equity.  As the asset base of the banking industry is larger than the deposit base, the range of base assessment rates is lower; however, the dollar amount of the actual premiums is expected to be roughly the same.  The FDIC is required under the Dodd-Frank Act to establish assessment rates that will allow the Deposit Insurance Fund to achieve a reserve ratio of 1.35% of Insurance Fund insured deposits by September 2020.  In attempting to achieve the mandated 1.35% ratio, the FDIC implemented assessment formulas that charge banks over $10 billion in asset size more than banks under that size.  Those new formulas do not affect Royal Bank.  Under the Dodd-Frank Act, the FDIC is authorized to make reimbursements from the insurance fund to banks if the reserve ratio exceeds 1.50%, but the FDIC has adopted the “designated reserve ratio” of 2.0%.  In lieu of reimbursements, the FDIC has set lower base assessment rates if the reserve ratio for the prior assessment period is equal to or exceeds 2.0%.
 
In addition to deposit insurance, Royal Bank is also subject to assessments to pay the interest on Financing Corporation bonds.  The Financing Corporation was created by Congress to issue bonds to finance the resolution of failed thrift institutions.  Commercial banks and thrifts are subject to the same assessment for Financing Corporation bonds.  The FDIC sets the Financing Corporation assessment rate every quarter.  For the first quarter of 2014, the Financing Corporation’s assessment for Royal Bank (and all other banks), is an annual rate of $.0062 for each $100 of deposits.  The Financing Corporation bonds are expected to be paid off between 2017 and 2019.
 
American Recovery and Reinvestment Act of 2009: On February 17, 2009, the American Recovery and Reinvestment Act of 2009 (“ARRA”) was enacted.  ARRA is intended to provide a stimulus to the U.S. economy in the wake of the economic downturn brought about by the subprime mortgage crisis and the resulting credit crunch.  The bill included federal tax cuts, expansion of unemployment benefits and other social welfare provisions, and domestic spending in education, healthcare, and infrastructure, including the energy structure.
 
Under ARRA, an institution that received funds under the Troubled Asset Relief Program (“TARP”), such as the Company, is subject to certain restrictions and standards throughout the period in which any obligation arising under TARP remains outstanding (except for the time during which the federal government holds only warrants to purchase common stock of the issuer).  The following summarizes the significant requirements of ARRA and applicable United States Department of Treasury (“Treasury”) regulations:
 
· Limits on compensation incentives for risks by senior executive officers;
 
· A requirement for recovery of any compensation paid based on inaccurate financial information;
 
· A prohibition on “golden parachute payments” to specified officers or employees, which term is generally defined as any payment for departure from a company for any reason;
 
· A prohibition on compensation plans that would encourage manipulation of reported earnings to enhance the compensation of employees;
 
· A prohibition on bonus, retention award, or incentive compensation to designated employees, except in the form of long-term restricted stock;
 
 
 · A requirement that the board of directors adopt a luxury expenditures policy;
 
· A requirement that shareholders be permitted a separate nonbinding vote on executive compensation;
 
· A requirement that the chief executive officer and the chief financial officer provide a written certification of compliance with the standards, when established, to the SEC.
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Under ARRA, subject to consultation with the appropriate federal banking agency, Treasury is required to permit a recipient of TARP funds to repay any amounts previously provided to or invested in the recipient by Treasury without regard to whether the institution has replaced the funds from any other source or to any waiting period.
 
Emergency Economic Stabilization Act of 2008: The Emergency Economic Stabilization Act of 2008 (“EESA”) was enacted on October 3, 2008.  EESA was designed to enable the federal government, under terms and conditions developed by the Secretary of the Treasury, to insure troubled assets, including mortgage-backed securities, and collect premiums from participating financial institutions.  EESA includes, among other provisions: (a) the $700 billion TARP, under which the Secretary of the Treasury was authorized to purchase, insure, hold, and sell a wide variety of financial instruments, particularly those that are based on or related to residential or commercial mortgages originated or issued on or before March 14, 2008; and (b) an increase in the amount of deposit insurance provided by the FDIC.
 
Under the TARP, Treasury authorized a voluntary Capital Purchase Program (“CPP”) to purchase up to $250 billion of senior preferred shares of qualifying financial institutions that elected to participate by November 14, 2008.  On February 20, 2009, the Company issued to Treasury, 30,407 shares of Series A Preferred Stock and a warrant to purchase 1,104,370 shares of Class A common stock for an aggregate purchase price of $30.4 million under the TARP CPP. (See “Note 14 – Shareholders’ Equity” of the Notes to Consolidated Financial Statements in Item 8 of this Report.)  Companies participating in the TARP CPP were required to adopt certain standards relating to executive compensation.  The terms of the TARP CPP also limit certain uses of capital by the issuer, including with respect to repurchases of securities and increases in dividends.
 
Sarbanes-Oxley Act of 2002: The primary aims of the Sarbanes-Oxley Act of 2002 (“SOX”) was to increase corporate responsibility, to provide for enhanced penalties for accounting and auditing improprieties at publicly traded companies and to protect investors by improving the accuracy and reliability of corporate disclosures pursuant to the securities laws. SOX addresses, among other matters, requirements for audit committee membership and responsibilities, requirements of management to evaluate the Company’s disclosure controls and procedures and its internal control over financial reporting, including certification of financial statements and the effectiveness of internal controls by the primary executive officer and primary financial officer; established standards for auditors and regulation of audits, including independence provisions that restrict  non-audit services that accountants may provide to their audit clients; and expanded the disclosure requirements for our Company insiders; and increased various civil and criminal penalties for fraud and other violations of securities laws.
 
USA Patriot Act of 2001: A major focus of governmental policy in recent years that impacts financial institutions has been combating money laundering and terrorist financing. The Patriot Act broadened anti-money laundering regulations to apply to additional types of financial institutions and strengthened the ability of the U. S. Government to help prevent and prosecute international money laundering and the financing of terrorism.  The potential impact of the Patriot Act on financial institutions of all kinds is significant and wide ranging.  The Patriot Act requires regulated financial institutions, among other things, to establish an anti-money laundering program that includes training and auditing components, to take additional precautions with non-U.S. owned accounts, and to comply with regulations related to verifying client identification at account opening. The Patriot Act also provides rules to promote cooperation among financial institutions, regulators and law enforcement entities in identifying parties that may be involved in terrorism or money laundering. Failure of a financial institution to comply with the requirements of the Patriot Act could have serious legal and reputational consequences for the institution. The Company has implemented systems and procedures to meet the requirements of the regulation and will continue to revise and update policies, procedures and necessary controls to reflect changes required by the Patriot Act.
14
Gramm-Leach-Bliley Act of 1999: The Gramm-Leach-Bliley Act of 1999 (“GLBA”), also known as the Financial Services Modernization Act, repeals the two anti-affiliation provisions of the Glass-Steagall Act.  GLBA establishes a comprehensive framework to permit affiliations among commercial banks, insurance companies, securities firms, and other financial service providers.  It revises and expands the framework of the Holding Company Act to permit a holding company to engage in a full range of financial activities through a new entity known as a financial holding company.  “Financial activities” is broadly defined to include not only banking, insurance and securities activities, but also merchant banking and additional activities that the Federal Reserve Board, in consultation with the Secretary of the Treasury, determines to be financial in nature, incidental to such financial activities, or complementary activities that do not pose a substantial risk to the safety and soundness of depository institutions or the financial system generally.
 
In addition, GLBA provides a uniform framework for the functional regulation of the activities of banks, savings institutions and their holding companies; broadens the activities that may be conducted by national banks, banking subsidiaries of bank holding companies, and their financial subsidiaries; and adopts a number of provisions related to the capitalization, membership, corporate governance, and other measures designed to modernize the Federal Home Loan Bank system.
 
Privacy provision: GLBA provides an enhanced framework for protecting the privacy of consumer information.  The FDIC and other banking regulatory agencies, as required under GLBA, have adopted rules limiting the ability of banks and other financial institutions to disclose nonpublic information about consumers to nonaffiliated third parties. Among other things, these provisions require banks and other financial institutions to have in place safeguards to ensure the security and confidentiality of customer records and information, to protect against anticipated threats or hazards to the security or integrity of such records, and to protect against unauthorized access to or use of such records that could result in substantial harm or inconvenience to a customer. GLBA also requires financial institutions to provide customers at the outset of the relationship and annually thereafter written disclosures concerning the institution’s privacy policies.
 
GLBA also expressly preserves the ability of a state bank to retain all existing subsidiaries.  Because Pennsylvania permits commercial banks chartered by the state to engage in any activity permissible for national banks, Royal Bank will be permitted to form subsidiaries to engage in the activities authorized by GLBA to the same extent as a national bank.  In order to form a financial subsidiary, Royal Bank must be well-capitalized, and would be subject to the same capital deduction, risk management and affiliate transaction rules as applicable to national banks.
 
To the extent that GLBA permits banks, securities firms, and insurance companies to affiliate, the financial services industry may experience further consolidation.  GLBA is intended to grant to community banks certain powers as a matter of right that larger institutions have accumulated on an ad hoc basis.  Nevertheless, this act may have the result of increasing the amount of competition that the Company and Royal Bank face from larger institutions and other types of companies offering financial products, many of which may have substantially more financial resources than the Company and Royal Bank.
 
Regulation W: Transactions between a bank and its “affiliates” are quantitatively and qualitatively restricted under Sections 23A and 23B of Federal Reserve Act.  The FDIC Act applies Sections 23A and 23B to insured nonmember banks in the same manner and to the same extent as if they were members of the Federal Reserve System.  The Federal Reserve Board also issued Regulation W, which codifies prior regulations under Sections 23A and 23B of the Federal Reserve Act and interpretative guidance with respect to affiliate transactions.  Regulation W incorporates the exemption from the affiliate transaction rules but expands the exemption to cover the purchase of any type of loan or extension of credit from an affiliate.  Affiliates of a bank include, among other entities, the bank’s holding company and companies that are under common control with the bank.  The Company is considered to be an affiliate of Royal Bank.  In general, subject to certain specified exemptions, a bank or its subsidiaries are limited in their ability to engage in “covered transactions” with affiliates:
 
· To an amount equal to 10% of Royal Bank’s capital and surplus, in the case of covered transactions with any one affiliate; and
 
· To an amount equal to 20% of Royal Bank’s capital and surplus, in the case of covered transactions with all affiliates.
15
In addition, a bank and its subsidiaries may engage in covered transactions and other specified transactions only on terms and under circumstances that are substantially the same, or at least as favorable to the bank or its subsidiary, as those prevailing at the time for comparable transactions with nonaffiliated companies.  A “covered transaction” includes:
 
· A loan or extension of credit to an affiliate;
 
· A purchase of, or an investment in, securities issued by an affiliate;
 
· A purchase of assets from an affiliate, with some exceptions;
 
· The acceptance of securities issued by an affiliate as collateral for a loan or extension of credit to any party; and
 
· This issuance of a guarantee, acceptance or letter of credit on behalf of an affiliate.
 
In addition, under Regulation W:
 
· A bank and its subsidiaries may not purchase a low-quality asset from an affiliate;
 
· Covered transactions and other specified transactions between a bank or its subsidiaries and an affiliate must be on terms and conditions that are consistent with safe and sound banking practices; and
 
· With some exceptions, each loan or extension of credit by a bank to an affiliate must be secured by collateral with a market value ranging from 100% to 130%, depending on the type of collateral, of the amount of the loan or extension of credit.
 
Regulation W generally excludes all non-bank and non-savings association subsidiaries of banks from treatment as affiliates, except to the extent that the Federal Reserve Board decides to treat these subsidiaries as affiliates.
 
Concurrently with the adoption of Regulation W, the Federal Reserve Board has proposed a regulation which would further limit the amount of loans that could be purchased by a bank from an affiliate to not more than 100% of Royal Bank’s capital and surplus.
 
Truth in Savings Act: The Truth in Savings Act (“Act”) was implemented in 1993.  The purpose of this Act is to require the clear and uniform disclosure of the rates of interest that are payable on deposit accounts by Royal Bank and the fees that are assessable against deposit accounts, so that consumers can make a meaningful comparison between the competing claims of banks with regard to deposit accounts and products.  This Act requires Royal Bank to include, in a clear and conspicuous manner, the following information with each periodic statement of a deposit account:  (1) the annual percentage yield earned; (2) the amount of interest earned; (3) the amount of any fees and charges imposed; and (4) the number of days in the reporting period. This Act allows for civil lawsuits to be initiated by customers if Royal Bank violates any provision or regulation under this Act.
 
Real Estate Lending Guidelines: Pursuant to the FDICIA, the FDIC issued real estate lending guidelines that establish loan-to-value (“LTV”) ratios for different types of real estate loans.  A LTV ratio is generally defined as the total loan amount divided by the appraised value of the property at the time the loan is originated.  If a bank does not hold a first lien position, the total loan amount would be combined with the amount of all senior liens when calculating the ratio.  In addition to establishing the LTV ratios, the FDIC’s real estate guidelines require all real estate loans to be based upon proper loan documentation and a recent independent appraisal of the property.

16
Loan Category
  
LTV limit
  
 
  
 
Raw land
    
65
%
Land development
    
65
%
Construction:
        
Commercial, multifamily (includes condos and co-ops) and other nonresidential
    
80
%
Improved property
    
85
%
Owner occupied 1-4 family and home equity (without credit enhancements)
    
90
%
 
The guidelines provide exceptions to the LTV ratios for government-backed loans; loans facilitating the sale of real estate acquired by the lending institution in the normal course of business; loans where Royal Bank’s decision to lend is not based on the offer of real estate as collateral and such collateral is taken only out of an abundance of caution; and loans renewed, refinanced, or restructured by the original lender to the same borrower, without the advancement of new money.  The regulation also allows institutions to make a limited amount of real estate loans that do not conform to the proposed LTV ratios.  Under this exception, Royal Bank would be allowed to make real estate loans that do not conform to the LTV ratio limits, up to an amount not to exceed 100% of their total capital.
 
Other Legislation/Regulatory Requirements: Congress and the federal banking agencies routinely propose new regulations.  The Company cannot predict how any new legislation, or new rules adopted by the federal banking agencies, may affect its business or the business of Royal Bank in the future.
 
Monetary Policy
 
The earnings of Royal Bank are affected by the policies of regulatory authorities including the Federal Reserve Board.  An important function of the Federal Reserve System is to influence the money supply and interest rates.  Among the instruments used to implement those objectives are open market operations in United States government securities, changes in reserve requirements against member bank deposits and limitations on interest rates that member banks may pay on time and savings deposits.  These instruments are used in varying combinations to influence overall growth and distribution of bank loans and investments and deposits.  Their use may also affect rates charged on loans or paid for deposits.
 
The policies and regulations of the Federal Reserve Board have had and will probably continue to have a significant effect on its reserve requirements, deposits, loans and investment growth, as well as the rate of interest earned and paid, and are expected to affect Royal Bank’s operations in the future.  The effect of such policies and regulations upon the future business and earnings of Royal Bank cannot be predicted.
 
Effects of Inflation
 
Inflation can impact the country’s overall economy, which in turn can impact the business and revenues of the Company and its subsidiaries.  Inflation has some impact on the Company’s operating costs.  Unlike many industrial companies, however, substantially all of the Company’s assets and liabilities are monetary in nature.  As a result, interest rates have a more significant impact on the Company’s performance than the general level of inflation.  Over short periods of time, interest rates may not necessarily move in the same direction or in the same magnitude as prices of goods and services.
 
Available Information
 
Upon a shareholder’s written request, a copy of the Company’s Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K, as required to be filed with the SEC pursuant to Exchange Act Rule 13a-1, may be obtained without charge from our Chief Executive Officer, Royal Bancshares of Pennsylvania, Inc. 732 Montgomery Avenue, Narberth, Pennsylvania 19072 or on our website www.royalbankamerica.com.
17
ITEM 1A.
RISK FACTORS
 
An investment in our common stock involves risks. Before making an investment decision, investors should carefully consider the risks described below in conjunction with the other information in this Report, including our consolidated financial statements and related notes. If any of the following risks or other risks, which have not been identified or which we may believe are immaterial or unlikely, actually occurs, our business, financial condition and results of operations could be harmed. In such a case, the trading price of our common stock could decline, and investors may lose all or part of their investment.
 
Risks Related to Our Business
 
Our business may be impacted by the existence of the FDIC informal agreement for Royal Bank and the informal agreement with the Federal Reserve Bank of Philadelphia.
 
Our success as a business is dependent upon pursuing various alternatives in not only achieving the growth and expansion of our banking franchise but also in managing our day to day operations. The existence of the informal agreements limits and impacts our ability to pursue all previously available alternatives in the management of the Company. Our ability to retain existing retail and commercial customers as well as the ability to attract potentially new customers may be impacted by the existence of the informal agreements. Our ability to obtain lines of credit, to receive attractive collateral treatment from funding sources, and to pursue all funding alternatives in this interest rate environment could be potentially impacted and thereby limit liquidity alternatives. Royal Bank’s ability to pay dividends to the Company, which provides funding for cash dividends to our shareholders, is subject to prior written consent of the FDIC and Department.  Moreover, we are prohibited from paying cash dividends without the prior written approval of the Reserve Bank and the Director of the Division of Banking Supervision and Regulation of the Board of Governors of the Federal Reserve System.  Our ability to raise capital could be potentially limited or impacted as a result of the informal agreements. Attracting new management talent is critical to the success of our business and could be potentially impacted due to the existence of the informal agreements. Under the MOU, Royal Bank must maintain a minimum leverage ratio and a minimum total risk-based capital ratio of 8% and 12%, respectively. At December 31, 2013, based on capital levels calculated under RAP, Royal Bank’s leverage ratio and total risk-based capital ratio were 9.13% and 15.61%, respectively.
 
Our business is subject to the success of the local economies and real estate markets in which we operate.
 
Our earnings are significantly generated from net interest income which is heavily reliant on the interest and fees we earn on loans.  If prevailing economic conditions locally or nationally are unfavorable, our business may be adversely affected.  Unfavorable economic conditions in our targeted market areas, specifically depressed or declining real estate values could affect the ability of customers to repay their loans, impede our growth, and generally affect our financial condition and results of operations through potential increases in credit losses.  We are less able than a larger institution to spread the risks of unfavorable local economic conditions across broader and more diverse economies.
 
Our concentration of commercial real estate and construction loans is subject to unique risks that could adversely affect our earnings.
 
Our commercial real estate and construction and land development loan portfolio held for investment was $193.6 million at December 31, 2013 comprising 53% of total loans.  Commercial real estate and construction and development loans are often riskier and tend to have significantly larger balances than home equity loans or residential mortgage loans to individuals.  While we believe that the commercial real estate concentration risk is mitigated by diversification among the types and characteristics of real estate collateral properties, sound underwriting practices, and ongoing portfolio monitoring and market analysis, the repayments of these loans usually depends on the successful operation of a business or the sale of the underlying property.  As a result, these loans are more likely to be unfavorably affected by adverse conditions in the real estate market or the economy in general.  Commercial and industrial loans comprise 22% of the loan portfolio. These loans are collateralized by various business assets the value of which may decline during adverse market and economic conditions.  Adverse conditions in the real estate market and the economy may result in increasing levels of loan charge-offs and non-performing assets and the reduction of earnings.  When we take collateral in foreclosures and similar proceedings, we are required to mark the related asset to the then fair market value of the collateral, which may ultimately result in a loss.
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Further, under guidance adopted by the federal banking regulators, banks which have concentrations in construction, land development or commercial real estate loans (other than loans for majority owner occupied properties) would be expected to maintain higher levels of risk management and, potentially, higher levels of capital.  It is possible that Royal Bank may be required to maintain higher levels of capital than it would be otherwise expected to maintain as a result of Royal Bank’s commercial real estate loans, which may require us to obtain additional capital sooner than we would otherwise seek it, which may reduce shareholder returns.
 
Our allowance for loan and lease losses may not be adequate to cover actual losses.
 
Like all financial institutions, we maintain an allowance for loan and lease losses to provide for loan and lease defaults and non-performance.  Our allowance for loan and lease losses is based on our historical loss experience as well as an evaluation of the risks associated with our loan portfolio, including the size and composition of the loan portfolio, current economic conditions and geographic concentrations within the portfolio.  Our allowance for loan and lease losses may not be adequate to cover actual loan and lease losses and future provisions for loan and lease losses could materially and adversely affect our financial results.
 
Our future growth may require us to raise additional capital but, that capital may not always be available.
 
We are required by regulatory authorities to maintain adequate capital levels to support our operations. We anticipate that our current capital will satisfy our regulatory requirements for the foreseeable future. However, in order to maintain our well-capitalized status and to support future growth we may need to raise capital. Our ability to raise additional capital will depend, in part, on conditions in the capital markets at that time, which are outside our control, and on our financial performance. Under the informal agreement as described in “Regulatory Actions” under “Item 1 – Business” of this Report, Royal Bank is required to maintain a minimum Tier 1 leverage ratio of 8% and a Total risk-based capital ratio of 12% during the term of the informal agreement.  Additionally, Basel III introduces new minimum capital requirements that are effective on January 1, 2015, with the capital conservation buffer requirements phased in over a three-year period beginning January 1, 2016.   In addition, on February 20, 2009, we issued 30,407 shares of Fixed Rate Cumulative Preferred Stock, Series A, to the United States Department of Treasury under its TARP Capital Purchase Program,  The Series A Preferred Stock issued to Treasury has a liquidation preference of $1,000 per share and contains other provisions, including restrictions on the payment of dividends on common stock and on repurchases of any shares of preferred stock ranking equal to or junior to the Series A Preferred Stock or common stock while the Series A Preferred Stock is outstanding, which provisions may make it more difficult to raise additional capital on favorable terms while the Series A Preferred Stock is outstanding.  Therefore, we may be unable to raise additional capital, or to raise capital on terms acceptable to us. If we cannot raise additional capital when required, our ability to further expand operations through both internal growth and acquisitions could be materially impaired. In addition, if we decide to raise additional capital, the existing shareholders are subject to dilution and a potential capital raise could adversely impact the Company’s deferred tax asset.
 
We may not be successful in redeeming our Series A Preferred Stock.
 
We have raised approximately $14.0 million in a private placement with the sole use to partially redeem our Series A Preferred Stock through a bid at a future Treasury TARP auction.  If we are not successful in the partial redemption of the Series A Preferred Stock then the money raised will be returned to the individual investors. As of December 31, 2013, the Series A Preferred stock dividend in arrears was $7.7 million and has not been recognized in the consolidated financial statements.  In February 2014, the preferred cumulative dividend rate prospectively increased from 5% to 9% per annum.
 
We may suffer losses in our loan portfolio despite our underwriting practices.
 
We seek to mitigate the risks inherent in our loan portfolio by adhering to specific underwriting practices.  These practices often include: analysis of a borrower’s credit history, financial statements, tax returns and cash flow projections; valuation of collateral based on reports of independent appraisers; and verification of liquid assets.  Although we believe that our underwriting criteria are appropriate for the various kinds of loans we make, we may incur losses on loans that meet these criteria.
19
Holders of our Series A Preferred Stock have certain voting rights that may adversely affect our common shareholders, and the holders of the Series A Preferred Stock may have interests different from our common shareholders.
 
For as long as shares of the Series A Preferred Stock are outstanding, in addition to any other vote or consent of the shareholders required by law or our Articles of Incorporation, the vote or consent of holders of at least 66 2/3% of the shares of the Series A Preferred Stock outstanding is required for any authorization or issuance of shares ranking senior to the Series A Preferred Stock; any amendments to the rights of the Series A Preferred Stock so as to adversely affect the rights, privileges, or voting power of the Series A Preferred Stock; or initiation and completion of any merger, share exchange or similar transaction unless the shares of Series A Preferred Stock remain outstanding, or if we are not the surviving entity in such transaction, are converted into or exchanged for preference securities of the surviving entity and the shares of Series A Preferred Stock remaining outstanding or such preference securities have the rights, preferences, privileges and voting power of the Series A Preferred Stock.
 
The holders of our Series A Preferred Stock, including the Treasury, may have different interests from the holders of our common stock, and could vote to block the forgoing transactions, even when considered desirable by, or in the best interests of the holders of our common stock.
 
Our ability to pay dividends depends primarily on dividends from our banking subsidiary, which are subject to regulatory limits.  Additionally, we are subject to other dividend limitations.
 
We are a bank holding company and our operations are conducted by direct and indirect subsidiaries, each of which is a separate and distinct legal entity.  Substantially all of our assets are held by our direct and indirect subsidiaries.  Our ability to pay dividends depends on our receipt of dividends from our direct and indirect subsidiaries.  Royal Bank is our primary source of dividends.  Dividend payments from Royal Bank are subject to legal and regulatory limitations, generally based on net profits and retained earnings, imposed by the various banking regulatory agencies. The ability of Royal Bank to pay dividends is also subject to its profitability, financial condition, capital expenditures and other cash flow requirements. At December 31, 2013, as a result of significant losses within Royal Bank, we had an accumulated deficit and therefore would not have been able to declare and pay any cash dividends.  There is no assurance that our subsidiaries will be able to pay dividends in the future or that we will generate adequate cash flow to pay dividends in the future. Royal Bank must receive prior written approval from the FDIC and the Department before declaring and paying a dividend to the Company.
 
Under the terms of the TARP CPP, we are not permitted to declare or pay cash dividends on, or redeem or otherwise acquire, stock that is junior to or on parity with the Series A Preferred Stock issued to Treasury at any time when we have not declared and paid full dividends on the Series A Preferred Stock.  We suspended regular quarterly cash dividends on the Series A Preferred Stock in August 2009 and, accordingly, are not permitted at this time to pay dividends on our Class A or Class B Common Stock.  Additionally, under the terms of the informal agreement, we are prohibited from redeeming the Series A Preferred Stock, which includes participating in a TARP auction, or paying any dividends on shares of our stock without the prior written approval of the Reserve Bank and the Director of the Division of Banking Supervision and Regulation of the Board of Governors of the Federal Reserve System.  Failure to pay dividends on our stock could have a material adverse effect on the market price of our Class A Common Stock.
 
Competition from other financial institutions may adversely affect our profitability.
 
We face substantial competition in originating commercial and consumer loans. This competition comes principally from other banks, savings institutions, mortgage banking companies and other lenders.  Many of our competitors enjoy advantages, including greater financial resources and higher lending limits, a wider geographic presence, more accessible branch office locations, the ability to offer a wider array of services or more favorable pricing alternatives, as well as lower origination and operating costs. This competition could reduce our net income by decreasing the number and size of loans that we originate and the interest rates we may charge on these loans.
20
In attracting business and consumer deposits, Royal Bank faces substantial competition from other insured depository institutions such as banks, savings institutions and credit unions, as well as institutions offering uninsured investment alternatives, including money market funds.  Many of our competitors enjoy advantages, including greater financial resources, more aggressive marketing campaigns, better brand recognition and more branch locations.  These competitors may offer higher interest rates than we do, which could decrease the deposits that we attract or require us to increase our rates to retain existing deposits or attract new deposits.  Increased deposit competition could adversely affect our ability to generate the funds necessary for lending operations. As a result, we may need to seek other sources of funds that may be more expensive to obtain and could increase our cost of funds.

The Company’s banking and non-banking subsidiaries also compete with non-bank providers of financial services, such as brokerage firms, consumer finance companies, credit unions, insurance agencies, peer to peer lenders and governmental organizations which may offer more favorable terms.  Some of our non-bank competitors are not subject to the same extensive regulations that govern our banking operations.  As a result, such non-bank competitors may have advantages over the Company’s banking and non-banking subsidiaries in providing certain products and services.  This competition may reduce or limit our margins on banking and non-banking services, reduce our market share, and adversely affect our earnings and financial condition.
 
Our ability to manage liquidity is always critical in our operation, but more so today given the uncertainty within the capital markets.
 
We monitor and manage our liquidity position on a regular basis to insure that adequate funds are in place to manage the day to day operations and to cover routine fluctuations in available funds. However, our funding decisions can be influenced by unplanned events. These unplanned events include, but are not limited to, the inability to fund asset growth, difficulty renewing or replacing funds that mature, the ability to maintain or draw down lines of credit with other financial institutions, significant customer withdrawals of deposits, and market disruptions. We have a liquidity contingency plan in the event liquidity falls below an acceptable level, however in today’s economic environment, we are not certain that those sources of liquid funds will be available in the future when required. As a result, loan growth may be curtailed to maintain adequate liquidity.  Additionally, loans may need to be sold in the secondary market, investments may need to be sold or deposits may need to be raised at above market interest rates to maintain liquidity.
 
Negative publicity could damage our reputation and adversely impact our business and financial results.
 
Reputation risk, or the risk to our earnings and capital from negative publicity, is inherent in our business.  Negative publicity can result from our actual or alleged conduct in any number of activities, including lending practices, corporate governance, acquisitions, and actions taken by government regulators and community organizations in response to those activities.  Negative publicity can adversely affect our ability to keep and attract customers and can expose us to litigation and regulatory action.  Although we take steps to minimize reputation risk in dealing with customers and other constituencies, as a larger diversified financial services company with a high industry profile, we are inherently exposed to this risk.
 
We have identified a material weakness relating to accounting for net income tax receivables in connection with the preparation of our financial statements, and failure to develop and maintain adequate internal controls could cause us to have additional material weaknesses, which could adversely affect our operations and financial position.
 
In connection with the preparation of our consolidated financial statements for the years ended December 31, 2013 and 2012, we identified a material weakness in our accounting for net income tax receivables.  The tax receivables related to amended tax returns for 2005 through 2007, in which the Company carried back losses from 2008 through 2009.  These amended returns were filed during the time period 2008 through 2011.  During 2013 after an IRS joint committee concluded their review of the amended returns, management determined that the tax receivables would not be realized and recorded a $4.8 million reversal to accumulated deficit with the offsetting adjustment to other assets and other liabilities.  There was no effect on net income or net loss for the periods presented herein as a result of the adjustment.
21
To remediate the weakness identified above with respect to internal controls related to the accounting for income taxes, we have engaged a nationally recognized independent public accounting firm to review and improve the Company’s accounting procedures related to income taxes.  While we believe that the planned steps will remediate the material weakness in our internal control over financial reporting with respect to accounting for net income tax receivables, no assurances can be made that our remediation is effective until our remedial controls operate for a period of time.
 
We may in the future also discover additional material weaknesses that require remediation. In addition, an internal control system, no matter how well-designed, cannot provide absolute assurance that misstatements due to error or fraud will not occur or that all control issues and instances of fraud will be detected. If we are not able to comply with the requirements of Section 404 of the Sarbanes-Oxley Act in a timely manner, or if we are unable to maintain proper and effective internal controls, we might not be able to produce timely and accurate financial statements. If that were to happen, the market price of our stock could decline and we could be subject to sanctions or investigations by the stock exchange on which our common stock is listed, the SEC, or other regulatory authorities.
 
Risks Related to Our Industry
 
Difficult real estate market conditions and economic trends have adversely affected our industry and our business and may continue to adversely affect the Company.
 
We are exposed to downturns in commercial and residential real estate.  Dramatic declines in the housing market over the past few years, with decreasing home prices and increasing delinquencies and foreclosures, have negatively impacted the credit performance of mortgage, consumer, commercial and construction loan portfolios resulting in significant write-downs of assets by many financial institutions.  In addition, the values of real estate collateral supporting many loans have declined and may continue to decline. General downward economic trends, reduced availability of commercial credit and sustained unemployment may negatively impact the credit performance of commercial and consumer credit, resulting in additional write-downs.  Concerns over the stability of the financial markets and the economy had resulted in decreased lending by financial institutions to their customers and to each other.  This market turmoil and tightening of credit had led to increased commercial and consumer deficiencies, lack of customer confidence, increased market volatility and widespread reduction in general business activity. Financial institutions also experienced decreased access to borrowings.
 
While the economy and market conditions have improved, the current economic recovery has been slow. A decline in current economic conditions would likely put pressure on consumers and businesses and may adversely affect our business, financial condition, results of operations and stock price.  In particular, as the result of a deteriorating economy we may face the following risks:
 
· We could face increased regulation of our industry.  Compliance with such regulation may increase our costs and limit our ability to pursue business opportunities.
 
· Our ability to assess the creditworthiness of customers and to accurately estimate the losses inherent in our credit portfolio could be more complex.
 
· We may be required to pay higher Federal Deposit Insurance Corporation premiums because financial institution failures resulting from the depressed market conditions have depleted and may continue to deplete the deposit insurance fund and reduce its ratio of reserves to insured deposits.
 
· Our ability to borrow from other financial institutions or the Federal Home Loan Bank on favorable terms or at all could be adversely affected by disruptions in the capital markets or other events.
 
· We may experience increases in foreclosures, delinquencies and customer bankruptcies.
22
Our business is subject to interest rate risk and variations in interest rates may negatively affect our financial performance.
 
Changes in the interest rate environment may reduce profits. The primary source of our income is the differential or “spread” between the interest earned on loans, securities and other interest-earning assets, and interest paid on deposits, borrowings and other interest-bearing liabilities.  As prevailing interest rates change, net interest spreads are affected by the difference between the maturities and re-pricing characteristics of interest-earning assets and interest-bearing liabilities.  In addition, loan volume and yields are affected by market interest rates on loans, and rising interest rates generally are associated with a lower volume of loan originations.  An increase in the general level of interest rates may also adversely affect the ability of certain borrowers to pay the interest on and principal of their obligations.  Accordingly, changes in levels of market interest rates could materially adversely affect our net interest spread, asset quality, loan origination volume, pre-payment speeds and overall profitability.
 
Recent and future governmental regulation and legislation could limit our future growth.
 
As described under “Supervision and Regulation” we are subject to extensive state and federal regulation, supervision and legislation that govern almost all aspects of our operations.  These laws may change from time to time and are primarily intended for the protection of consumers, depositors, and the deposit insurance funds.  Any changes to these laws may negatively affect our ability to expand our services and to increase the value of our business.  While we cannot predict what effect any presently contemplated or future changes in the laws or regulations or their interpretations would have on our business, these changes could be materially adverse to shareholders.

Changes in consumers’ use of banks and changes in consumers’ spending and saving habits could adversely affect the Company’s financial results.
 
Technology and other changes now allow many consumers to complete financial transactions without using banks. For example, consumers can pay bills and transfer funds directly without going through a bank. This disintermediation could result in the loss of fee income, as well as the loss of customer deposits and income generated from those deposits.  In addition, changes in consumer spending and saving habits could adversely affect our operations, and we may be unable to timely develop competitive new products and services in response to these changes that are accepted by new and existing customers.
 
Our business is exposed to cyber-security risks, which may include denial of service, hacking and identity theft.
 
Cyber threats are increasing and rapidly changing.  Therefore, we may not be able to prevent all cyber-attacks.  Denial of service attacks are meant to disrupt our internet site by slowing it down or causing it to be temporarily unavailable.  This type of attack is not intended to penetrate our firewall and steal customer financial information.  Hacking and identity theft are meant to breach our security and steal corporate and customer information.  While we believe we have the appropriate measures and safeguards in place to mitigate cyber-security risks, we cannot be certain that they are entirely protected from a cyber-attack.  Successful cyber-attacks of any nature could have a material adverse impact on our business and results of operations through substantial reputational harm, remedial costs, loss of customers, increased regulatory scrutiny and potential financial liability.
 
Acts or threats of terrorism and political or military actions taken by the United States or other governments could adversely affect general economic or industry conditions.
 
Geopolitical conditions may also affect our earnings.  Acts or threats or terrorism and political or military actions taken by the United States or other governments in response to terrorism, or similar activity, could adversely affect general economic or industry conditions.
23
Other Risks
 
Our directors, executive officers and principal shareholders own a significant portion of our common stock and can influence shareholder decisions.
 
Our directors, executive officers and principal shareholders, as a group, beneficially owned approximately 56% of our Class A common stock and 84% of our Class B common stock outstanding as of February 28, 2014. As a result of their ownership, the directors, executive officers and principal shareholders will have the ability, by voting their shares in concert, to influence the outcome of any matter submitted to our shareholders for approval, including the election of directors. The directors and executive officers may vote to cause the Company to take actions with which the other shareholders do not agree or that are not beneficial to all shareholders.
 
ITEM 1B.
UNRESOLVED STAFF COMMENTS
 
None.
 
ITEM 2.
PROPERTIES

At December 31, 2013, Royal Bank was headquartered and had a retail office at 732 Montgomery Avenue, Narberth, Pennsylvania.  Royal Bank has twelve additional retail banking locations situated in Pennsylvania and New Jersey.  Additionally, Royal Bank’s Customer Center, which includes a loan production office, is located in Bala Cynwyd, Pennsylvania.
 
Royal Bank currently owns seven of the branch properties.  During 2013, the Company executed a facilities rationalization plan and sold four properties, which included two branch locations and recorded net gains of $2.5 million.  Within the next six months, these two branches will be relocated to leased facilities within the same market area of their existing locations.  Additionally two branches were consolidated into nearby retail offices with the majority of the deposits being retained.  The remaining properties are leased with expiration dates between 2014 and 2024.  During 2013, Royal Bank made aggregate lease payments of approximately $785,000.  The Company believes that all of its properties are sufficiently insured, maintained and are adequate for Royal Bank’s purposes.

ITEM 3.
LEGAL PROCEEDINGS

As described under “Item 1 – Business” of this Report, Royal Bank held a 60% equity interest in each of CSC and RTL.  CSC and RTL acquired, through public auction, delinquent tax liens in various jurisdictions thereby assuming a superior lien position to most other lien holders, including mortgage lien holders.   On March 4, 2009, each of CSC and RTL received grand jury subpoenas issued by the U.S. District Court for New Jersey (“Court”) upon application of the Antitrust Division of the United States DOJ.  On February 23, 2012, the former President of CSC and RTL entered a plea of guilty to one count of conspiring to rig bids at certain auctions for tax liens in New Jersey from 1998 until approximately the spring of 2009.  On September 26, 2012, as a result of the former President’s guilty plea and pursuant to a plea agreement with the DOJ, CSC entered a guilty plea in the United States District Court for the District of New Jersey to one count of conspiracy to commit bid-rigging at certain auctions for tax liens in New Jersey.  Under the terms of the Court accepted plea agreement, the DOJ agreed not to bring further criminal charges against CSC and not to bring criminal charges against RTL, or any current or former director, officer, or employee of CSC and/or RTL, for any act or offense committed prior to the date of the plea agreement that was in furtherance of any agreement to rig bids at municipal tax lien sales or auctions in the State of New Jersey. The former President of CSC and RTL and any person who bid at any time at a tax lien auction on behalf of CSC and/or RTL are excluded from this non-prosecution protection.  At the sentencing hearing held in December 2012, the sentencing judge agreed with the DOJ’s recommendation and imposed a $2.0 million fine for CSC.  After adjusting for the noncontrolling interest, the Company’s 60% share of the fine amounted to $1.2 million.
 
In 2012, the former President of CSC and RTL, CSC, RTL and the Company were named defendants, among others, in putative class action lawsuits filed in the U.S. District Court for the District of New Jersey (“Court”) on behalf of a proposed class of taxpayers who became delinquent in paying their municipal tax obligations which alleged a conspiracy to rig bids in municipal tax lien auctions.   On June 12, 2012, the Court entered an Order consolidating for pretrial purposes the actions with all subsequently filed or transferred related actions, collectively referred to as In re New Jersey Tax Sale Certificates Antitrust Litigation.  On October 22, 2012, the Court appointed two law firms as interim class counsel and another law firm as liaison class counsel and further ordered appointed counsel to a master complaint for the consolidated action.  On December 21, 2012, plaintiffs filed a Consolidated Master Class Action Complaint (the “Complaint”) against numerous defendants, including the former President of CSC and RTL, Royal Bancshares of Pennsylvania, Inc., Royal Bank America, CSC and RTL.  The Company filed a motion to dismiss the Complaint on March 8, 2013, which is currently pending before the Court.
24
During the second quarter of 2013, the Company accrued a loss contingency of $1.65 million for a potential settlement with the plaintiffs. After adjusting for the noncontrolling interest, the Company’s 60% share of the loss contingency amounted to $990,000 on a pre-tax basis.  Subsequently, the Company, Royal Bank, CSC, and RTL reached a settlement agreement with plaintiffs to settle the litigation for $1.65 million and other terms and conditions, including an opportunity for members of the proposed settlement class whose tax liens are currently held by CSC or RTL to redeem those liens for a one-time cash payment equaling 85% of the redemption amount by making such payment within 35 days of the date of written notice.  The proposed settlement class does not include, and therefore the offer to redeem does not apply to, tax liens acquired at 0% interest or at a premium.  The settlement is subject to Court approval after notice and a hearing.  Members of the proposed settlement class will have an opportunity to object to the proposed settlement or opt-out.
 
On or about March 15, 2012, CSC, RTL and the Company were named defendants, among others, in a complaint filed by Marina Bay Towers Urban Renewal II, LP (“MBT”) in the Superior Court of New Jersey, Law Division, Cape May County.  The complaint alleges essentially the same claims as asserted in the Complaint.  However MBT does not seek to represent a class and only seeks remedies related to itself.  As of the date of this filing, the Company cannot reasonably estimate the possible loss or range of loss that may result from this proceeding.
 
ITEM 4.
MINE SAFETY DISCLOSURES

Not applicable.
25
PART II
 
ITEM 5.
MARKET FOR REGISTRANT’S COMMON EQUITY, AND RELATED STOCKHOLDER MATTERS, AND ISSUER PURCHASES OF EQUITY SECURITIES
 
The Company’s Class A Common Stock trades on the NASDAQ Global Market under the symbol RBPAA.  There is no market for the Company’s Class B Common Stock.  The Class B shares may not be transferred in any manner except to the holder’s immediate family.  Class B shares may be converted to Class A shares at the rate of 1.15 to 1.
 
The following table shows the range of high and low closing sale prices for the Company’s stock as reported by NASDAQ.
 
Closing Prices
  
2013
  
High
    
Low
  
First Quarter
  
$
1.85
    
$
1.21
  
Second Quarter
    
1.54
      
1.20
  
Third Quarter
    
1.92
      
1.35
  
Fourth Quarter
    
1.75
      
1.34
  
 
                
2012
  
High
    
Low
  
First Quarter
  
$
1.65
    
$
1.25
  
Second Quarter
    
1.97
      
1.23
  
Third Quarter
    
3.03
      
1.70
  
Fourth Quarter
    
2.25
      
1.02
  

The approximate number of record holders of the Company’s Class A and Class B Common Stock, as of February 28, 2014, is shown below:
 
Title of Class
  
Number of record holders
  
Class A Common stock
    
246
  
Class B Common stock
    
130
  

Dividends
 
Subject to certain limitations imposed by law or the Company’s articles of incorporation, the Board of Directors of the Company may declare a dividend on shares of Class A or Class B Common Stock.
 
The Company did not pay cash dividends on its common stock in 2013 and 2012.  Future dividends depend upon net income, capital requirements, and appropriate legal restrictions and other factors relevant at the time the Board of Directors of the Company considers dividend policy.  Cash necessary to fund dividends available for dividend distributions to the shareholders of the Company must initially come primarily from dividends paid by its direct and indirect subsidiaries, including Royal Bank to the Company.

26
Under the Pennsylvania Business Corporation Law, the Company may pay dividends only if, after giving effect to the dividend payment, the total assets of the Company would exceed the total liabilities of the Company plus the amount necessary to satisfy preferential rights of holders of senior shareholders, and the Company is solvent and would not be rendered insolvent by the dividend payment. There are also restrictions set forth in the Pennsylvania Banking Code of 1965 (the “Code”), and in the Federal Deposit Insurance Act (“FDIC Act”) concerning the payment of dividends by Royal Bank.  Under the Code, no dividends may be paid except from “accumulated net earnings” (generally retained earnings).  Under the FDIC Act, no dividend may be paid if a bank is in arrears in the payment of any insurance assessment due to the FDIC.  In addition, dividends paid by Royal Bank to the Company would be prohibited if the effect thereof would cause Royal Bank’s capital to be reduced below applicable minimum capital requirements.  Therefore, the restrictions on Royal Bank’s dividend payments are directly applicable to the Company.  See “Note 14 – Shareholder’s Equity” of the Notes to Consolidated Financial Statements in Item 8 of this Report.
 
On August 13, 2009, the Company’s board of directors suspended the regular quarterly cash dividends on the $30.4 million in Series A Preferred Stock.  The Company’s board of directors took this action in consultation with the Federal Reserve Bank of Philadelphia as required by regulatory policy guidance.  As of December 31, 2013, the Series A Preferred stock dividend in arrears was $7.7 million and has not been recognized in the consolidated financial statements.  In the event the Company declared the preferred dividend the Company’s capital ratios would be negatively affected however, they would remain above the required minimum ratios.  In February 2014, the preferred cumulative dividend rate prospectively increased from 5% to 9% per annum.
 
Under its MOU with the FDIC and the Department, Royal Bank must receive prior approval from the FDIC and the Department before declaring and paying a dividend to the Company.  Under the Federal Reserve Bank MOU as described under “Regulatory Actions” in “Item 1 – Business” of this Report, the Company may not declare or pay any dividends without the prior written approval of the Reserve Bank and the Director of the Division of Banking Supervision and Regulation of the Board of Governors of the Federal Reserve System.
27
COMMON STOCK PERFORMANCE GRAPH
 
The performance graph shows cumulative investment returns to shareholders based on the assumption that an investment of $100 was made on December 31, 2008, (with all dividends reinvested), in each of the following:
 
· Royal Bancshares of Pennsylvania, Inc. Class A common stock;
· The stock of all United States companies trading on the NASDAQ Global Market;
· Common stock of a 2013 Peer Group consisting of 21 banks headquartered in the Mid-Atlantic region, that trade on a major exchange and have total assets between $700 million and $1.5 billion; and
· SNL Bank and Thrift Index.
 
 
 
  
Period Ending
  
Index
  
12/31/08
    
12/31/09
    
12/31/10
    
12/31/11
    
12/31/12
    
12/31/13
  
Royal Bancshares of Pennsylvania, Inc.
    
100.00
      
39.04
      
42.04
      
37.54
      
36.03
      
41.44
  
NASDAQ Composite
    
100.00
      
145.36
      
171.74
      
170.38
      
200.63
      
281.22
  
SNL Bank and Thrift
    
100.00
      
98.66
      
110.14
      
85.64
      
115.00
      
157.46
  
RBPAA Peer Group Index*
    
100.00
      
85.31
      
94.90
      
83.17
      
99.56
      
131.72
  

28
ITEM 6.
SELECTED FINANCIAL DATA

The following selected consolidated financial and operating information for the Company should be read in conjunction with Item 7, “Management’s Discussion and Analysis of Financial Condition and Results of Operations” and the Consolidated Financial Statements and accompanying notes in Item 8 of this Report:

Statement of Operations Data
  
For the years ended December 31,
  
(In thousands, except share data)
  
2013
    
2012
    
2011
    
2010
    
2009
  
Interest income
  
$
27,524
    
$
31,981
    
$
39,377
    
$
57,262
    
$
66,043
  
Interest expense
    
7,357
      
9,899
      
14,086
      
25,994
      
37,439
  
Net interest income
    
20,167
      
22,082
      
25,291
      
31,268
      
28,604
  
(Credit) Provision for loan and lease losses
    
(872
)
    
5,997
      
7,728
      
22,140
      
20,605
  
Net interest income after loan and lease losses
    
21,039
      
16,085
      
17,563
      
9,128
      
7,999
  
Non-interest income
                                        
Gain on sale of premises & equipment
    
2,524
      
-
      
-
      
-
      
-
  
Net gains on sales of other real estate owned
    
1,427
      
363
      
1,638
      
1,019
      
294
  
Service charges and fees
    
1,323
      
1,218
      
1,128
      
1,266
      
1,419
  
Gains on sale of loans and leases
    
686
      
2,057
      
337
      
666
      
914
  
Income from bank owned life insurance
    
539
      
553
      
391
      
379
      
1,099
  
Net gains on investment securities
    
158
      
1,030
      
1,782
      
1,290
      
1,892
  
Gains on sales related to real estate joint ventures
    
-
      
-
      
1,750
      
-
      
-
  
Income related to real estate owned via equity investments
    
-
      
-
      
478
      
564
      
1,302
  
Gain on sale of security claim
    
-
      
-
      
-
      
1,656
      
-
  
Gain on sale of premises & equipment related to real estate owned via equity investments
    
-
      
-
      
-
      
667
      
1,817
  
Other income
    
207
      
747
      
1,110
      
737
      
578
  
Total other than-temporary-impairment losses on investment securities
    
-
      
(2,359
)
    
(1,796
)
    
(566
)
    
(13,431
)
Portion of loss recognized in other comprehensive loss
    
-
      
-
      
-
      
87
      
2,390
  
Net impairment losses recognized in earnings
    
-
      
(2,359
)
    
(1,796
)
    
(479
)
    
(11,041
)
Total non-interest income (loss)
    
6,864
      
3,609
      
6,818
      
7,765
      
(1,726
)
Income before non-interest expenses & income taxes
    
27,903
      
19,694
      
24,381
      
16,893
      
6,273
  
Non-interest expense
                                        
Salaries and benefits
    
10,276
      
11,576
      
11,013
      
11,626
      
12,235
  
Impairment related to OREO
    
1,517
      
6,741
      
5,522
      
7,374
      
4,537
  
Impairment related to real estate owned via equity investments
    
-
      
-
      
-
      
2,600
      
-
  
Expenses related to real estate owned via equity investments
    
-
      
-
      
-
      
529
      
907
  
Impairment related to real estate joint venture
    
-
      
-
      
-
      
1,552
      
-
  
Other expenses
    
14,537
      
18,007
      
15,534
      
17,062
      
19,977
  
Total non-interest expense
    
26,330
      
36,324
      
32,069
      
40,743
      
37,656
  
Income (loss) before tax expense
    
1,573
      
(16,630
)
    
(7,688
)
    
(23,850
)
    
(31,383
)
Income tax expense
    
42
      
-
      
-
      
-
      
474
  
Net income (loss)
  
$
1,531
    
$
(16,630
)
  
$
(7,688
)
  
$
(23,850
)
  
$
(31,857
)
Less net (loss) income attributable to noncontrolling interest
    
(578
)
    
(1,005
)
    
875
      
243
      
1,402
  
Net income (loss) attributable to Royal Bancshares
    
2,109
      
(15,625
)
    
(8,563
)
    
(24,093
)
    
(33,259
)
Less Series A Preferred stock accumulated dividend and accretion
    
2,075
      
2,038
      
2,003
      
1,970
      
1,672
  
Net income (loss) to common shareholders
    
34
      
(17,663
)
    
(10,566
)
    
(26,063
)
    
(34,931
)
 
                                        
Basic and diluted earnings (loss) per common share
  
$
-
    
$
(1.33
)
  
$
(0.80
)
  
$
(1.97
)
  
$
(2.64
)

29
Balance Sheet Data
  
For the years ended December 31,
  
(In thousands)
  
2013
    
2012
    
2011
    
2010
    
2009
  
Total assets
  
$
732,254
    
$
769,455
    
$
844,187
    
$
976,365
    
$
1,288,465
  
Total average assets (1)
    
740,324
      
819,211
      
902,241
      
1,173,661
      
1,290,865
  
Loans, net
    
352,810
      
326,904
      
397,863
      
475,725
      
656,533
  
Total deposits
    
528,964
      
554,917
      
575,916
      
693,913
      
881,755
  
Total average deposits
    
527,452
      
573,233
      
621,709
      
791,026
      
857,742
  
Total borrowings (2)
    
133,655
      
134,107
      
173,774
      
180,723
      
283,601
  
Total average borrowings (2)
    
133,261
      
149,416
      
177,517
      
256,688
      
307,225
  
Total shareholders' equity (3)
    
47,805
      
53,568
      
71,098
      
79,246
      
96,309
  
Total average shareholders' equity (3)
    
50,533
      
67,794
      
76,337
      
99,048
      
102,664
  
Return on average assets
    
0.28
%
    
(1.91
%)
    
(0.95
%)
    
(2.05
%)
    
(2.58
%)
Return on average equity
    
4.17
%
    
(23.05
%)
    
(11.22
%)
    
(24.32
%)
    
(32.40
%)
Average equity to average assets
    
6.83
%
    
8.28
%
    
7.89
%
    
6.76
%
    
7.46
%

(1)
Includes premises and equipment of VIE for years 2009 and 2010
(2)
Includes obligations through VIE equity investments and subordinated debt.
(3)
Excludes noncontrolling interest

ITEM 7. MANAGEMENT’S DISCUSSIONS AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

The following discussion and analysis of financial condition and results of operations should be read in conjunction with the Consolidated Financial Statements of the Company and the related Notes in Item 8 of this Report.

Critical Accounting Policies, Judgments and Estimates
 
The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America and general practices within the financial services industry.  Critical accounting policies, judgments and estimates relate to allowance for loan and lease losses, loans held for sale, the valuation of other real estate owned (“OREO”), the valuation of deferred tax assets, other-than-temporary impairment losses on investment securities, net periodic pension costs and the pension benefit obligation.  The policies which significantly affect the determination of the Company’s financial position, results of operations and cash flows are summarized in “Note 1 - Summary of Significant Accounting Polices” to the Consolidated Financial Statements and are discussed in the section captioned “Recent Accounting Pronouncements” of Management’s Discussion and Analysis of Financial Condition and Results of Operations, included in Items 7 and 8 of this Report, each of which is incorporated herein by reference.

Investment Securities

Management determines the appropriate classification of debt securities at the time of purchase and re-evaluates such designation as of each balance sheet date. Investments in debt securities that the Company has the positive intent and ability to hold to maturity are classified as held to maturity securities and reported at amortized cost.  Debt and equity securities that are bought and held principally for the purpose of selling them in the near term are classified as trading securities and reported at fair value, with unrealized holding gains and losses included in earnings.  Debt and equity securities not classified as trading securities, nor as held to maturity securities are classified as available for sale (“AFS”) securities.   AFS Securities are reported at fair value, with unrealized holding gains or losses, net of deferred income taxes, reported in the accumulated other comprehensive income (loss) component of shareholders’ equity. The Company did not hold trading securities at December 31, 2013 and 2012.  Discounts and premiums are accreted/amortized to income by use of the level-yield method.  The gain or loss on sales of AFS securities is based on the specific identification method.
30
The Company evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis.  The Company assesses whether OTTI is present when the fair value of a security is less than its amortized cost.  All investment securities are evaluated for OTTI under FASB ASC Topic 320, “Investments-Debt & Equity Securities” (“ASC Topic 320”).  Non-agency collateralized mortgage obligations that are rated below AA are evaluated under FASB ASC Topic 320 Subtopic 40, “Beneficial Interests in Securitized Financial Assets” under FASB ASC Topic 325, “Investments-Other”.

Under ASC Topic 320, OTTI is considered to have occurred with respect to debt securities (1) if an entity intends to sell the security; (2) if it is more likely than not an entity will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of the expected cash flows is not sufficient to recover the entire amortized cost basis.  In addition, the amount of the OTTI recognized in earnings depends on whether an entity intends to sell or will more likely than not be required to sell the security.  If an entity intends to sell the security or will be required to sell the security, the OTTI shall be recognized in earnings equal to the entire difference between the fair value and the amortized cost basis at the balance sheet date.  If an entity does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before the recovery of its amortized cost basis, the OTTI shall be separated into two amounts, the credit-related loss and the noncredit-related loss. The credit-related loss is based on the present value of the expected cash flows and is recognized in earnings.

For more information on the fair value of the Company’s investment securities and other financial instruments refer to “Note 3 - Investment Securities” and “Note 20 - Fair Values of Financial Instruments” to the Consolidated Financial Statements included in Item 8 of this Report.

Allowance for Loan and Lease Losses

The Company considers that the determination of the allowance for loan and lease losses (“allowance”) involves a higher degree of judgment and complexity than its other significant accounting policies.  The allowance is calculated with the objective of maintaining a reserve level believed by management to be sufficient to absorb estimated credit losses.  Management’s determination of the adequacy of the allowance is based on periodic evaluations of the loan portfolio and other relevant factors.  However, this evaluation is inherently subjective as it requires material estimates, including, among others, expected default probabilities, loss given default, expected commitment usage, the amounts of timing of expected future cash flows on impaired loans, mortgages, and general amounts for historical loss experience.  The process also considers economic conditions, uncertainties in estimating losses and inherent risks in the loan portfolio.  All of these factors may be susceptible to significant change.  To the extent actual outcomes differ from management estimates, additional provisions for loan and lease losses may be required that would adversely impact earnings in future periods.  See “Note 1 - Summary of Significant Accounting Policies” to the Consolidated Financial Statements included in Item 8 of this report.

Deferred Tax Assets

The Company recognizes deferred tax assets and liabilities for the future tax effects of temporary differences, net operating loss carry forwards and tax credits.  Deferred tax assets are subject to management’s judgment based upon available evidence that future realization is more likely than not.  If management determines that the Company may be unable to realize all or part of net deferred tax assets in the future, a direct charge to income tax expense may be required to reduce the recorded value of the net deferred tax asset to the expected realizable amount.

Recent Accounting Pronouncements

See “Note 1 - Summary Of Significant Accounting Policies” to the Consolidated Financial Statements included in Item 8 of this Report.
31
Results of Operations

Financial Highlights and Business Results

The Company’s results of operations depend primarily on net interest income, which is the difference between interest income on interest-earning assets and interest expense on interest-bearing liabilities.  Interest-earning assets consist principally of loans and investment securities, while interest-bearing liabilities consist primarily of deposits and borrowings.  Net income is also affected by the provision for loan and lease losses and the level of non-interest income as well as by non-interest expenses, including salary and employee benefits, occupancy expenses and other operating expenses.

During the past few years, the Company recorded significant impairment charges on non-accrual loans, OREO and investment securities, which has weighed heavily on earnings and was the largest contributing factor to the Company’s losses.  Also contributing to the losses were increased costs associated with the high level of non-performing assets, legal expenses related to credit quality issues and the DOJ tax lien investigation (for additional information see Item 3 “Legal Proceedings” of this Form 10-K).  Finally, the establishment of a valuation allowance in 2008 and subsequent years that currently amounts to $37.2 million, has prevented the Company from utilizing tax credits on losses during the past five years.

The Company’s strategic plan included improving the overall level of credit quality, maintaining reduced credit risk within the investment portfolio, reducing the overall level of expenses, and returning to profitability.  While the Company’s past deleveraging strategy improved the risk profile of the Company by shedding higher risk assets and paying off higher cost brokered CDs, it has had a negative impact on income. The deleveraging has resulted in lower average loan balances and a higher proportion of lower yielding investment securities, which have negatively impacted net interest income, a principal source of income. While credit quality costs associated with non-performing assets negatively affect financial results, during 2013 their impact has lessened as the overall level of non-performing assets declined.

For 2013, the strategic plan evolved into transitioning Royal Bank into a community bank built on a solid commercial revenue and retail delivery foundation.  During the first quarter of 2013, to support the strategic goals, management had announced a set of sweeping initiatives through the Company's "Profitability Improvement Plan" ("PIP") designed to enhance company-wide efficiency, productivity and modernization.  During 2013, the Company realized a 22% reduction in the workforce, which included reorganizing and relocating certain personnel to improve departmental synergies and better align managers and staff so they can work together in cohesive teams to accomplish their objectives.  The Company recorded a restructuring charge of $87,000 related to workforce reduction. The Company also finalized a unique opportunity to reduce employee expenses as eight individuals became employees of a local company that provides servicing of the remaining tax lien and non-performing assets portfolios. Those portfolios continue to diminish per the Company's strategic plan. This outsourcing arrangement enables the Company to focus on the expansion of its core banking products while de-emphasizing legacy non-core activity such as tax liens.

During 2013, pursuant to the real estate rationalization plan under PIP, two branches were consolidated and four Company-owned buildings were sold.  Royal Bank consolidated the leased Henderson Road branch between the King of Prussia and Bridgeport branches and consolidated the 15th Street branch into the Walnut Street branch, which are both located in Center City Philadelphia.  These branch consolidations had minimal effect on deposit levels. Included in the real estate sales were two buildings that are the sites of the Fairmount and Phoenixville retail branches. In refreshing our retail branch network, these two branches along with a third will be relocated to more attractive, convenient, high-traffic locations within the same markets over the next three to eight months.  Additionally the Villanova branch was relocated in January 2014.  The Company recorded restructuring charges of $274,000 related to the effective termination of two leases.

During 2013, the Company launched a completely redesigned website which takes advantage of the latest technologies and trends in web development, including responsive design which reformats content to fit any screen, improving both aesthetics and user experience.  Visitors will also find a renewed emphasis on our most important products and services, including quick links to key revenue driving product lines and our secure home equity application. Complementing the launch of the new website was the debut of our mobile banking solution, TouchBanking.   With the addition of Lars Eller, as Chief Retail Banking Officer, to executive management the Company looks to grow its retail customer base with the deployment of new commercial and consumer solutions, enhancement of product offerings and further development of the retail sales teams.  To support the marketing of these enhancements the Company began refreshing its brand with new advertising through billboards, online and print media.  The expense reductions, revenue growth and planned additional improvements have repositioned the Company in 2013 and for the future.
32
Net Income

Net income for 2013 amounted to $2.1 million and basic and diluted earnings per share of $0.00 compared to a net loss of $15.6 million and basic and diluted loss per share of $1.33 for 2012. The $17.7 million improvement for the year ended December 31, 2013 as compared to the year ended December 31, 2012 was mainly related to the following items:

· Credit related expenses declined $7.4 million, or 67.8%, with non-performing assets now at 2.7% of total assets compared to 4.7% at December 31, 2012.
· Provision for loan and lease losses dropped $6.9 million as a result of the loan portfolio’s improved credit quality.
· Other-than-temporary investment impairment declined $2.4 million.
· Gains on the sale of Company owned real estate were $2.5 million.
· Salaries and benefits declined $1.3 million, or 11.2%, as a result of a 22% reduction in the workforce.
· Professional and legal fees decreased $1.2 million, or 29.3%.
· Net gains on sales of other real estate owned (“OREO”) increased $1.1 million.

Partially offsetting these positive items was a $1.9 million decrease in net interest income, a $1.4 million decrease in gains on sales of loans and leases, and an $872,000 decline in gains on sale of investment securities. The Company's leasing subsidiary continued to positively contribute to the annual financial results.

Total non-performing loans at December 31, 2013 were $10.2 million and were classified as loans held for investment (“LHFI”), which amounted to an improvement of $12.8 million or 55.8%, from the level at December 31, 2012 and resulted from payments, payoffs, charge-offs and impairments, sales of loans, transfers to OREO and improved credit quality. Total non-performing loans at December 31, 2012 were $23.0 million and were comprised of $21.4 million in LHFI and $1.6 million in loans held for sale (“LHFS”).  OREO at December 31, 2013, amounted to $9.6 million versus $13.4 million at year end 2012, which amounted to a decline of $3.8 million, or 28.4%. Impaired and non-accrual loans and OREO assets are reviewed in the “Credit Quality” section of this report.

Interest Income

The Company utilizes the effective yield interest method for recognizing interest income as required by ASC Subtopic 20, “Nonrefundable Fees and Other Costs” (“ASC Subtopic 20”) under FASB ASC Topic 310, “Receivables” (“ASC Topic 310”).  ASC Subtopic 20 also guides our accounting for nonrefundable fees and costs associated with lending activities such as discounts, premiums, and loan origination fees.  In the case of loan restructurings, if the terms of the new loan resulting from a loan refinancing or restructuring other than a troubled debt restructuring are at least as favorable to the Company as the terms for comparable loans to other customers with similar collection risks who are not refinancing or restructuring a loan with the Company, the refinanced loan is accounted for as a new loan.  This condition is met if the new loan’s effective yield is at least equal to the effective yield for such loans.  Any unamortized net fees or costs and any prepayment penalties from the original loan shall be recognized in interest income when the new loan is granted.

Total interest income of $27.5 million for 2013 declined $4.5 million, or 13.9%, from $32.0 million for 2012.  The decrease was primarily driven by a decline in average loan balances year over year and a decline in the yield on investments.  Average interest-earning assets were $690.3 million for 2013 compared to $751.9 million for 2012, resulting in a decline of $61.6 million, or 8.2%.  Average loan balances of $367.2 million for 2013 decreased $17.2 million, or 4.5%, year over year and negatively impacted interest income by $3.5 million, of which $2.5 million was directly related to the tax lien portfolio.  The decline in loan balances in 2013 was attributed to loan prepayments, loan pay downs, and transfers to OREO through foreclosure proceedings.  Average investments of $312.1 million decreased $32.7 million, or 9.5%, from 2012 due to sales of investment securities to fund loan advances and principal payments received on the Company’s MBS and CMO investment securities.  The decrease in average investments contributed to a $920,000 decline in interest income.  Average loan and investment balances for 2012 were $384.4 million and $344.9 million, respectively.
33
For 2013, the yield on average interest-earning assets was 3.99% and declined 26 basis points from 4.25% for the comparable period of 2012. The yield reduction was comprised of a year over year decrease of 65 basis points for loans (5.92% in 2013 versus 6.57% in 2012) and a 10 basis point decline in the investment yield (1.84% in 2013 versus 1.94% in 2012).  The drop in loan yield reflected a decline in the higher yielding tax certificates coupled with lower rates on new loan originations. The decrease in investment yield was due to the replacement of sold and called higher yielding investment securities during 2012 with lower yielding government agency securities.

Interest Expense

For 2013, total interest expense of $7.4 million decreased $2.5 million, or 25.7%, from $9.9 million for 2012. The decline in interest expense for 2013 was due to a $66.3 million, or 9.9%, decline in average interest-bearing liabilities and a 26 basis point decline in the interest rates paid on interest-bearing liabilities year over year.  For 2013, average interest-bearing deposits of $467.5 million decreased $50.1 million, or 9.7%, year over year.  The reduction was mainly associated with a decline in money market accounts and the intentional runoff of higher priced retail CDs.  Average time deposits amounted to $239.6 million for 2013, which resulted in a decline of $36.4 million, or 13.2%, from 2012.  Average NOW and money market deposits decreased $14.5 million, or 6.5%, year over year. Average borrowings of $107.5 million for 2013 declined $16.1 million, or 13.1%, from 2012 due to the pay down of FHLB advances. Average interest-bearing deposits and borrowings for 2012 were $517.6 million and $123.6 million, respectively.

The average interest rate paid on interest-bearing liabilities amounted to 1.22% for 2013 which represented a decline of 26 basis points from 1.48% for 2012. The average interest rate paid on interest-bearing deposits in 2013 amounted to 0.86%, which resulted in a decline of 28 basis points from 1.14% for 2012. Year over year lower average interest rates were paid on NOW and money market accounts (0.29% in 2013 versus 0.59% in 2012) and on CDs (1.41% in 2013 versus 1.64% in 2012). The average rate paid on borrowings amounted to 2.35% for 2013 compared to 2.68% for 2012. During the second quarter of 2013, a maturing $50.0 million FHLB advance with a rate of 2.64% was replaced with four separate FHLB advances and short-term borrowings which carry an average rate of 1.19%.  This re-pricing opportunity has favorably impacted interest expense in subsequent quarters.  Partially offsetting the decrease in the average interest rate paid on interest-bearing liabilities was a $174,000 penalty that was assessed when the interest payment in arrears on the trust preferred securities was paid in the third quarter of 2013.

Net Interest Income and Margin:

Net interest income is the Company’s primary source of income.  Its level is a function of the average balance of interest-earning assets, the average balance of interest-bearing liabilities, and the spread between the yield on assets and liabilities.  In turn, these factors are influenced by the pricing and mix of the Company’s interest-earning assets and funding sources.  Additionally, net interest income is affected by market and economic conditions, which influence rates on loan and deposit growth.

Net interest income, which amounted to $20.2 million in 2013, decreased by $1.9 million, or 8.7%, from the prior year’s results of $22.1 million. The decrease was primarily attributed to a reduction in interest-earning assets coupled with a decline in the yield on loans and investments year over year. The decline in loan balances negatively impacted net interest income during the past year.  The decline in loan balances was attributed to loan prepayments, loan pay downs and transfers to OREO.   The decrease in the investment portfolio was primarily due to principal payments on the Company’s MBS and CMO investment securities.  The decrease in loan yields reflects a $15.9 million decline in higher yielding tax liens, which negatively impacted interest income by $2.5 million year over year, and lower rates on new loan originations.  The decline in the investment yield was due to the replacement of sold and called higher yielding investment securities during the past year with lower yielding government agency securities and the accelerated amortization of premiums due to prepayments of MBS and CMO securities due to mortgage re-financings. The decline in net interest income was partially offset by a reduction in the average balance of interest-bearing liabilities and the average interest rates paid on average interest-bearing deposits which primarily were associated with the redemption of maturing retail CDs and lower rates paid on renewing and new retail CDs and NOW and money market accounts.
34
Despite the decrease in net interest income, the net interest margin of 2.92% for 2013 declined only 2 basis points from 2.94% for 2012. The 26 basis point decrease in funding costs was matched by the overall decline of 26 basis points in the yield on interest-earning assets. The decline in the yield on interest-earning assets was driven by lower yields on average loan balances (5.92% in 2013 versus 6.57% in 2012) mainly due to the $15.9 million decline in higher yielding tax liens and investment securities (1.84% in 2013 versus 1.94% in 2012) year over year.  The replacement of sold and called investment securities during the past year with lower yielding government agency securities and the accelerated amortization of premiums on investment securities also accounted for the decline in the yield on interest-earning assets.  Interest rates paid on total interest-bearing liabilities for 2013 declined 26 basis points to 1.22% from 2012. The Company continued to redeem maturing retail CDs and was also able to lower retail deposit costs through the lower re-pricing of maturing CDs.

Average Balances

The following table represents the average daily balances of assets, liabilities and shareholders’ equity and the respective interest earned and paid on interest-bearing assets and interest-bearing liabilities, as well as average rates for the periods indicated:

 
  
For the years ended December 31,
  
 
  
2013
    
2012
    
2011
  
(Dollars in thousands)
  
Average
Balance
    
Interest
    
Yield /
Rate
    
Average
Balance
    
Interest
    
Yield / 
Rate
    
Average
Balance
    
Interest
    
Yield /
Rate
  
Assets
  
   
   
   
   
   
   
   
   
 
Interest earning deposits
  
$
10,941
    
$
26
      
0.24
%
  
$
22,551
    
$
38
      
0.17
%
  
$
29,016
    
$
78
      
0.27
%
Federal funds
    
-
      
-
      
0.00
%
    
-
      
-
      
0.00
%
    
2,822
      
3
      
0.11
%
Investment securities-available for sale
    
312,127
      
5,757
      
1.84
%
    
344,862
      
6,677
      
1.94
%
    
320,362
      
9,645
      
3.01
%
Loans & Leases (1)
                                                                        
Commercial demand loans
    
127,372
      
6,024
      
4.73
%
    
174,029
      
8,804
      
5.06
%
    
219,554
      
10,044
      
4.57
%
Real estate secured
    
199,705
      
12,261
      
6.14
%
    
168,079
      
13,143
      
7.82
%
    
213,737
      
16,268
      
7.61
%
Other loans and leases
    
40,142
      
3,456
      
8.61
%
    
42,332
      
3,319
      
7.84
%
    
41,756
      
3,339
      
8.00
%
Total loans
    
367,219
      
21,741
      
5.92
%
    
384,440
      
25,266
      
6.57
%
    
475,047
      
29,651
      
6.24
%
Total interest-earning assets
    
690,287
      
27,524
      
3.99
%
    
751,853
      
31,981
      
4.25
%
    
827,247
      
39,377
      
4.76
%
Non interest-earning assets
                                                                        
Cash & due from banks
    
8,768
                      
9,632
                      
11,725
                  
Other assets
    
56,648
                      
74,592
                      
83,468
                  
Allowance  for loan loss
    
(15,379
)
                    
(16,308
)
                    
(19,567
)
                
Unearned discount(2)
    
-
                      
(558
)
                    
(632
)
                
Total non interest-earning assets
    
50,037
                      
67,358
                      
74,994
                  
Total assets
  
$
740,324
                    
$
819,211
                    
$
902,241
                  
Liabilities & Shareholders' Equity
                                                                        
Deposits
                                                                        
Savings
  
$
17,802
      
38
      
0.21
%
  
$
17,006
      
67
      
0.39
%
  
$
15,727
      
86
      
0.55
%
NOW and money markets
    
210,077
      
617
      
0.29
%
    
224,602
      
1,317
      
0.59
%
    
221,158
      
1,958
      
0.89
%
Time deposits
    
239,584
      
3,367
      
1.41
%
    
275,959
      
4,514
      
1.64
%
    
327,583
      
6,906
      
2.11
%
Total interest-bearing deposits
    
467,463
      
4,022
      
0.86
%
    
517,567
      
5,898
      
1.14
%
    
564,468
      
8,950
      
1.59
%
Borrowings
    
107,487
      
2,526
      
2.35
%
    
123,642
      
3,318
      
2.68
%
    
151,743
      
4,493
      
2.96
%
Subordinated debt
    
25,774
      
809
      
3.14
%
    
25,774
      
683
      
2.65
%
    
25,774
      
643
      
2.49
%
Total interest bearing liabilities
    
600,724
      
7,357
      
1.22
%
    
666,983
      
9,899
      
1.48
%
    
741,985
      
14,086
      
1.90
%
Non interest-bearing deposits
    
59,989
                      
55,666
                      
57,241
                  
Other liabilities
    
29,078
                      
28,768
                      
26,678
                  
Total liabilities
    
689,791
                      
751,417
                      
825,904
                  
Shareholders' equity
    
50,533
                      
67,794
                      
76,337
                  
Total liabilities and shareholders' equity
  
$
740,324
                    
$
819,211
                    
$
902,241
                  
Net interest income
          
$
20,167
                    
$
22,082
                    
$
25,291
          
Net interest margin
                    
2.92
%
                    
2.94
%
                    
3.06
%

(1) Non-accrual loans have been included in the appropriate average loan balance category, but interest on these loans has not been included.
(2)
For the 2013 period net deferred fees were allocated among the various loan types.
35
The following table sets forth a rate/volume analysis, which segregates in detail the major factors contributing to the change in net interest income for the years ended December 31, 2013 and 2012, as compared to respective previous periods, into amounts attributable to both rate and volume variances.

 
  
2013 versus 2012
    
2012 versus 2011
  
 
  
Changes due to:
    
Changes due to:
  
(In thousands)
  
Volume
    
Rate
    
Total
    
Volume
    
Rate
    
Total
  
Interest income
  
   
   
   
   
   
 
Short term earning assets
  
   
   
   
   
   
 
Interest bearing deposits in banks
  
$
(27
)
  
$
16
    
$
(11
)
  
$
(11
)
  
$
(29
)
  
$
(40
)
Federal funds sold
    
-
      
-
      
-
      
-
      
(3
)
    
(3
)
Total short term earning assets
    
(27
)
    
16
      
(11
)
    
(11
)
    
(32
)
    
(43
)
 
                                                
Total Investments securities
    
(575
)
    
(345
)
    
(920
)
    
812
      
(3,780
)
    
(2,968
)
Loans
                                                
Commercial demand loans
    
(2,193
)
    
(218
)
    
(2,411
)
    
(2,075
)
    
1,539
      
(536
)
Commercial real estate
    
2,160
      
(709
)
    
1,451
      
(1,251
)
    
113
      
(1,138
)
Residential and home equity loans
    
378
      
(16
)
    
362
      
(23
)
    
(23
)
    
(46
)
Leases
    
(14
)
    
348
      
334
      
55
      
(135
)
    
(80
)
Tax certificates
    
(1,989
)
    
(525
)
    
(2,514
)
    
(3,251
)
    
891
      
(2,360
)
Other loans
    
(86
)
    
(23
)
    
(109
)
    
(8
)
    
(19
)
    
(27
)
Loan fees
    
(639
)
    
-
      
(639
)
    
(198
)
    
-
      
(198
)
Total loans
    
(2,383
)
    
(1,143
)
    
(3,526
)
    
(6,751
)
    
2,366
      
(4,385
)
 
                                                
Total decrease in interest income
  
$
(2,985
)
  
$
(1,472
)
  
$
(4,457
)
  
$
(5,950
)
  
$
(1,446
)
  
$
(7,396
)
Interest expense
                                                
Deposits
                                                
NOW and money market
  
$
(81
)
  
$
(620
)
  
$
(701
)
  
$
30
    
$
(670
)
  
$
(640
)
Savings
    
3
      
(32
)
    
(29
)
    
6
      
(25
)
    
(19
)
Time deposits
    
(556
)
    
(590
)
    
(1,146
)
    
(989
)
    
(1,404
)
    
(2,393
)
Total deposits
    
(634
)
    
(1,242
)
    
(1,876
)
    
(953
)
    
(2,099
)
    
(3,052
)
Borrowings
                                                
Borrowings
    
(406
)
    
(386
)
    
(792
)
    
(780
)
    
(395
)
    
(1,175
)
Trust preferred
    
-
      
126
      
126
      
-
      
40
      
40
  
Total Borrowings
    
(406
)
    
(260
)
    
(666
)
    
(780
)
    
(355
)
    
(1,135
)
Total decrease in interest expense
    
(1,040
)
    
(1,502
)
    
(2,542
)
    
(1,733
)
    
(2,454
)
    
(4,187
)
Total (decrease) increase in net interest income
  
$
(1,945
)
  
$
30
    
$
(1,915
)
  
$
(4,217
)
  
$
1,008
    
$
(3,209
)
 
Provision for Loan and Lease Losses

Due to the improved credit quality of the loan portfolio and the decline in non-accrual loan balances, the Company recorded a credit to the allowance of $872,000 in 2013.  The provision for loan and lease losses was $6.0 million for 2012.  During 2013, non-accrual LHFI decreased $11.3 million, or 52.6% from 2012.  The Company recorded $2.7 million in net charge-offs in 2013, which were primarily related to specific reserves.    Net charge-offs in 2012 were $5.1 million and also were primarily related to specific reserves.

Total Non-interest Income

Non-interest income includes service charges on depositors’ accounts, safe deposit rentals and fees for various services such as wire transfers and issuing Treasurers’ checks.   In addition, other forms of non-interest income are derived from changes in the cash value of bank owned life insurance (“BOLI”).  Most components of non-interest income are a modest and stable source of income, with exceptions of one-time gains and losses from the sale of investment securities, OREO, loans, and premises and equipment. From period to period these sources of income may vary considerably.  Service charges on depositors’ accounts, safe deposit rentals and other fees are periodically reviewed by management to remain competitive with other local banks.

36
For 2013 and 2012, total non-interest income amounted to $6.9 million and $3.6 million, respectively.  Positively impacting the 2013 results were gains on the sale of Company owned real estate of $2.5 million, an increase of $1.1 million in gains on the sale of OREO ($1.4 million in 2013 versus $363,000 in 2012) and a $2.4 million drop in OTTI ($0 in 2013 versus $2.4 million in 2012).  The OTTI charges recorded in 2012 were related to two private equity funds and included the entire carrying value of one of the private equity funds in the amount of $1.5 million and credit related impairment charge of $859,000 on another private equity fund.  As a component of PIP, management developed a facilities rationalization plan.  The Company identified and sold four buildings to unlock the value in the real estate.  Management had identified two attractive sites that were better locations for our retail branches than two of the buildings sold.  These two branches will be relocated within the next six months to more convenient and high-traffic locations within the same market area.  By leasing these new facilities, the Company is better positioned to manage our retail footprint in the future.  Unfavorable items included a $1.4 million decline in gains on the sale of loans and leases ($686,000 in 2013 versus $2.1 million in 2012) and a decrease of $872,000 in gains on the sale of investment securities ($158,000 in 2013 versus $1.0 million in 2012).

Total Non-interest Expense

Non-interest expense plunged $10.0 million, or 27.5%, from $36.3 million for 2012 to $26.3 million for 2013. The improvement in non-interest expense was directly related to a $7.4 million, or 67.8% drop in credit related expenses ($3.5 million in 2013 versus $10.9 million in 2012), a $1.3 million, or 11.2%, decline in salaries and benefits ($10.3 million in 2013 versus $11.6 million in 2012), and a $1.2 million, or 29.3%, decrease in professional and legal fees ($3.0 million in 2013 versus $4.2 million in 2012).  Credit related expenses are directly affected by the Company’s level of non-performing assets, which fell $16.7 million, or 45.7%, from $36.4 million at December 31, 2012 to $19.8 million at December 31, 2013. Non-performing assets were 2.7% of total assets at December 31, 2013 compared to 4.7% of total assets at December 31, 2012.  The reduction in salaries and benefits was the result of a 22% contraction in the workforce and a phasing out of certain nonessential employee benefits.  Professional and legal fees declined as a result of the decline in the Company’s non-performing assets and the resolution of the DOJ investigation.  Additionally, the Company recorded a restructuring charge of $361,000 as a result of PIP.

In 2013 and 2012, the Company recorded loss contingencies related to the tax lien subsidiaries (for additional information see “Item 3.  Legal Proceedings” of this Form 10-K).  In 2013, the Company recorded a $1.65 million loss contingency accrual for a settlement of the class action lawsuit related to the Company’s tax lien subsidiaries.  After adjusting for the noncontrolling interest, the Company’s 60% share of the loss contingency amounted to $990,000. Additionally, in 2012 the Company recorded a $2.0 million accrual for a DOJ fine related to the tax lien subsidiaries.  After adjusting for the noncontrolling interest, the Company’s 60% share of the DOJ fine amounted to $1.2 million.
 
Accounting for Income Tax Expense

In 2013, the Company recorded $42,000 in tax expense compared to $0 for 2012. The Company did not record a tax benefit despite the net loss for 2012 since it concluded at December 31, 2012 that it was more likely than not that the Company would not generate sufficient taxable income to realize all of the deferred tax assets.
 
As of December 31, 2013 and December 31, 2012, management concluded that it was more likely than not that the Company would not generate sufficient future taxable income to realize all of the deferred tax assets. Management’s conclusion was based on consideration of the relative weight of the available evidence and the uncertainty of future market conditions on results of operations.  During 2013 and 2012, the Company had valuation allowances on deferred tax assets which were a result of the net operating losses and the portion of the future tax benefit that more likely than not will not be utilized in the future.  As of December 31, 2013 and December 31, 2012 the valuation allowance for deferred tax assets totaled $37.2 million and $39.6 million, respectively.
 
The Company’s effective tax rate is the provision for federal income taxes, excluding the tax effect of extraordinary items, expressed as a percentage of income or loss before federal income taxes. The effective tax rate for the twelve months ended December 31, 2013 and 2012 was 2% and 0%, respectively.  In general our effective tax rate is different from the federal statutory rate primarily due to the establishment of a valuation allowance which was $37.2 million as of December 31, 2013.

37
Results of Operations by Business Segments

Under FASB ASC Topic 280, “Segment Reporting” (“ASC Topic 280”), management of the Company has identified two reportable operating segments, “Community Banking” and “Tax Liens”.  Operating segments are components of an enterprise, which are evaluated regularly by the chief operating decision makers in deciding how to allocate and assess resources and performance.  The Company’s chief operating decision makers are the Chief Executive Officer (“CEO”) and the Chief Administrative and Risk Officer (“CARO”).

§ Community Bank segment: At December 31, 2013, the Community Bank segment had total assets of $706.0 million, a decrease of $26.1 million, or 3.6%, from $732.1 million at December 31, 2012.  Total deposits declined $25.9 million, or 4.7%, from $554.9 million at December 31, 2012 to $529.0 million at December 31, 2013.  Net interest income for 2013 was $19.2 million compared to $19.8 million for 2012 representing a decrease of $556,000, or 2.8%.  The decline in net interest income was primarily attributed to a reduction in average loan balances and investment securities coupled with lower yields on loans and investment securities. Mitigating the decline in net interest income was the re-pricing of time deposits at a lower rate as they matured and the payoff of a higher interest-bearing FHLB advance. The credit to the allowance for loan and lease losses was $1.5 million in 2013 compared to a provision of $5.2 million for 2012 as a result of the improved credit quality of the loan portfolio.  For 2013, total non-interest income was $5.5 million compared to total non-interest income of $2.9 million for 2012.  The growth is mostly attributed to $2.5 million in gains on the sale of Company owned real estate and a $2.4 million decline in OTTI on the investment portfolio.  For 2013 and 2012, total non-interest expense was $21.9 million and $31.1 million, respectively.  Credit related expenses, salaries and benefits, and professional and legal fees declined $7.4 million, $1.0 million, and $1.1 million, respectively.  Net income for 2013 was $3.7 million compared to a net loss of $15.8 million for 2012.

§ Tax Lien segment:  At December 31, 2013, the Tax Lien segment had total assets of $26.2 million compared to $37.3 million at December 31, 2012 representing a decrease of $11.1 million, or 29.7%.  Net interest income decreased $1.3 million, or 58.4%, from $2.3 million in 2012 to $969,000 in 2013.  The provision for lien losses decreased $233,000 from $820,000 in 2012 to $587,000 in 2013.  The improvement in the 2013 provision was mostly related to the declining portfolio balance. Total non-interest income was $1.4 million in 2013 compared to $741,000 in 2012.  Total non-interest income is derived mostly from the gains on sale of OREO property. Total non-interest expense decreased $835,000 from $5.2 million for 2012 to $4.4 million for 2013.  In 2013 the Tax Lien segment recorded a $1.65 million loss contingency accrual for a settlement of a class action law suit.  In 2012 the Tax Lien segment recorded a $2.0 million DOJ fine related to its investigation.  Salaries and benefits declined $278,000 due to the outsourcing of the portfolio management to an unrelated third party in 2013.  Additionally, professional and legal fees and credit related expenses decreased $148,000 and $31,000, respectively.  Net loss was $1.6 million in 2013 compared to $1.8 million for 2012.
 
Financial Condition

Total assets decreased $37.2 million, or 4.8%, to $732.3 million at December 31, 2013 from $769.5 million at year-end 2012.

Cash and Cash Equivalents:  Cash and cash equivalents consist of cash on hand, and cash in interest bearing and non-interest bearing accounts in banks, in addition to federal funds sold.  Cash and cash equivalents decreased $12.0 million from $28.8 million at December 31, 2012 to $16.8 million at December 31, 2013.  The average balance of cash and cash equivalents was approximately $19.7 million for 2013 versus $32.2 million for 2012. The majority of this average balance was held in interest-bearing accounts with other financial institutions which were paying a higher interest rate than federal funds.  The excess cash is invested daily in overnight and federal funds.  The decline in cash and cash equivalents was mainly associated with the decline in deposits.

38
Investment Securities Available for Sale (“AFS”):  AFS investment securities represented 45.2% of average interest earning assets during 2013 and consisted of government secured agency bonds, government secured mortgage-backed securities, collateralized mortgage obligations (“CMOs”), municipal bonds, domestic corporate debt, and third party managed equity funds.  At December 31, 2013, AFS investment securities were $308.7 million as compared to $349.2 million at December 31, 2012, a decrease of $40.5 million. The reduction was partially due to the reinvestment of cash flows from principal payments and calls into loans.

Loans:  The Company’s primary earning assets are loans, representing approximately 53.2% of average interest-earning assets during 2013.  The loan portfolio consists primarily of commercial demand loans and commercial mortgages secured by real estate, tax liens, leases, and to a significantly lesser extent, residential loans comprised of one to four family residential and home equity loans.  During 2013, total loans held for investment grew $22.3 million from $344.2 million at December 31, 2012 to $366.5 million at December 31, 2013.  The growth was attributed to new loan originationns partially offset by balances being paid down, payoffs, charge-offs, and transfers to OREO.

Commercial real estate, and construction and land development loans make up a significant portion of our loan portfolio and represented 52.8% of total loans at December 31, 2013 compared to 59.3% of total loans at December 31, 2012.  Management believes our current allowance for loan and lease losses is adequate at December 31, 2013 to cover losses arising from these loan categories as well as all others within the portfolio.  We continue to monitor these loans as part of our loan review process to evaluate the impact these loans will have on our allowance.

Allowance for loan and lease losses:  The Company’s loan and lease portfolio (the “credit portfolio”) is subject to varying degrees of credit risk. The Company maintains an allowance to absorb losses in the loan and lease portfolio. The allowance is based on the review and evaluation of the loan and lease portfolio, along with ongoing, quarterly assessments of the probable losses inherent in that portfolio. The allowance represents an estimation made pursuant to FASB ASC Topic 450, “Contingencies” (“ASC Topic 450”) or FASB ASC Topic 310, “Receivables” (“ASC Topic 310”).  The adequacy of the allowance is determined through evaluation of the credit portfolio, and involves consideration of a number of factors, as outlined below, to establish a prudent level.  Determination of the allowance is inherently subjective and requires significant estimates, including estimated losses on pools of homogeneous loans and leases based on historical loss experience and consideration of current economic trends, which may be susceptible to significant change. Loans and leases deemed uncollectible are charged against the allowance, while recoveries are credited to the allowance. Management adjusts the level of the allowance through the provision for loan and lease losses, which is recorded as a current period expense. The Company’s systematic methodology for assessing the appropriateness of the allowance includes: (1) general reserves reflecting historical loss rates by loan type, (2) specific reserves for risk-rated credits based on probable losses on an individual or portfolio basis and (3) qualitative reserves based upon current economic conditions and other risk factors.

The loan portfolio is stratified into loan segments that have similar risk characteristics. The general allowance is based upon historical loss rates using a weighted three-year rolling average of the historical loss experienced within each loan segment.  The qualitative factors used to adjust the historical loss experience address various risk characteristics of the Company’s loan and lease portfolio include evaluating: (1) trends in delinquencies and other non-performing loans, (2) changes in the risk profile related to large loans in the portfolio, (3) changes in the growth trends of categories of loans comprising the loan and lease portfolio, (4) concentrations of loans and leases to specific industry segments, and (5) changes in economic conditions on both a local and national level, (6) quality of loan review and board oversight, (7) changes in lending policies and procedures, and (8) changes in lending staff.  Each factor is assigned a value to reflect improving, stable or declining conditions based on management’s best judgment using relevant information available at the time of the evaluation. Adjustments to the factors are supported through documentation of changes in conditions in a report accompanying the allowance calculation.
 
The specific reserves are determined utilizing standards required under ASC Topic 310.  A loan is considered impaired when it is probable that interest and principal will not be collected according to the contractual terms of the loan agreement. Non-accrual loans and loans restructured under a troubled debt restructuring are evaluated for impairment on an individual basis considering all known relevant factors that may affect loan collectability such as the borrower’s overall financial condition, resources and payment record, support available from financial guarantors and the sufficiency of current collateral values (current appraisals or rent rolls for income producing properties), and risks inherent in different kinds of lending (such as source of repayment, quality of borrower and concentration of credit quality). Non-accrual loans that experience insignificant payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed.

39
Impairment is measured on a loan by loan basis for commercial and industrial loans, commercial real estate loans and commercial construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral if the loan is collateral dependent.  The estimated fair values of substantially all of the Company’s impaired loans are measured based on the estimated fair value of the loan’s collateral. The Company obtains third-party appraisals to establish the fair value of real estate collateral.  Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value. The discounts also include estimated costs to sell the property. For commercial and industrial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower’s financial statements, inventory reports, accounts receivable aging or equipment appraisals or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. A specific reserve is established for an impaired loan for the amount that the carrying value exceeds its estimated fair value. Once a loan is determined to be impaired it will be deducted from the portfolio balance and the net remaining balance will be used in the general and qualitative analysis.

The amount of the allowance is reviewed and approved by the Chief Lending Officer (“CLO”), Chief Financial Officer (“CFO”), Chief Credit Officer (“CCO”) and the CARO on at least a quarterly basis.  Management believes that the allowance for loan and lease losses at December 31, 2013 is adequate. However, its determination requires significant judgment, and estimates of probable losses inherent in the credit portfolio can vary significantly from the amounts actually observed. While management uses available information to recognize probable losses, future changes to the allowance may be necessary.  These changes could be based in the credits comprising the portfolio and changes in the financial condition of borrowers, as the result of changes in economic conditions.  In addition, regulatory agencies, as an integral part of their examination process, periodically review the credit portfolio and the allowance. Such review may result in additional provisions based on their judgment of information available at the time of each examination.

Analysis of the Allowance for Loan and Lease Losses:

 
  
For the years ended December 31,
  
(Dollars in thousands)
  
2013
    
2012
    
2011
    
2010
    
2009
  
Total Loans
  
$
366,481
    
$
344,165
    
$
414,243
    
$
496,854
    
$
686,864
  
Daily average loan balance
  
$
367,219
    
$
384,440
    
$
475,047
    
$
643,450
    
$
715,521
  
Allowance for loan and lease losses:
                                        
Balance at the beginning of the year
  
$
17,261
    
$
16,380
    
$
21,129
    
$
30,331
    
$
28,908
  
Charge-offs by loan type:
                                        
Commercial real estate
    
1,684
      
1,313
      
1,685
      
7,352
      
7,404
  
Commercial real estate-mezzanine
    
-
      
-
      
-
      
-
      
1,132
  
Construction and land development
    
820
      
2,452
      
5,755
      
13,413
      
6,231
  
Construction and land develop-mezzanine
    
-
      
-
      
-
      
-
      
2,756
  
Commercial and industrial
    
383
      
586
      
2,901
      
5,930
      
258
  
Multi-family
    
-
      
542
      
328
      
787
      
-
  
Residential real estate
    
46
      
111
      
635
      
731
      
1,361
  
Residential real estate-mezzanine
    
-
      
-
      
-
      
2,480
      
-
  
Leases
    
382
      
465
      
868
      
972
      
676
  
Tax certificates
    
578
      
802
      
1,039
      
49
      
-
  
Total charge-offs
    
3,893
      
6,271
      
13,211
      
31,714
      
19,818
  
Recoveries by loan type:
                                        
Commercial real estate
    
600
      
3
      
357
      
684
      
431
  
Construction and land development
    
297
      
816
      
196
      
116
      
-
  
Commercial and industrial
    
17
      
67
      
22
      
81
      
15
  
Multi-family
    
-
      
-
      
-
      
18
      
-
  
Residential real estate
    
158
      
208
      
153
      
313
      
190
  
Leases
    
29
      
32
      
6
      
51
      
-
  
Tax certificates
    
74
      
29
      
-
      
-
      
-
  
Consumer
    
-
      
-
      
-
      
37
      
-
  
Total recoveries
    
1,175
      
1,155
      
734
      
1,300
      
636
  
Net loan charge-offs
    
(2,718
)
    
(5,116
)
    
(12,477
)
    
(30,414
)
    
(19,182
)
(Credit) provision for loan and lease losses
    
(872
)
    
5,997
      
7,728
      
22,140
      
20,605
  
Allowance related to disposed assets
    
-
      
-
      
-
      
(928
)
    
-
  
Balance at end of year
  
$
13,671
    
$
17,261
    
$
16,380
    
$
21,129
    
$
30,331
  
Net charge-offs to average loans
    
(0.74
%)
    
(1.33
%)
    
(2.63
%)
    
(4.73
%)
    
(2.68
%)
Allowance to total loans at year-end
    
3.73
%
    
5.02
%
    
3.95
%
    
4.25
%
    
4.42
%

40
Analysis of the Allowance for Loan and Lease Losses by Loan Type:

 
  
As of December 31,
  
 
  
2013
    
2012
    
2011
    
2010
    
2009
  
(In thousands, except percentages)
  
Reserve
Amount
    
Percent of outstanding loans in
each
category to
total loans
    
Reserve
Amount
    
Percent of outstanding loans in
each
category to
total loans
    
Reserve
Amount
    
Percent of outstanding loans in
each
category to
total loans
    
Reserve
Amount
    
Percent of outstanding loans in
each
category to
total loans
    
Reserve
Amount
    
Percent of outstanding loans in
each
category to
total loans
  
Commercial real estate
  
$
5,498
      
40.5
%
  
$
8,750
      
48.5
%
  
$
7,744
      
44.0
%
  
$
9,534
      
39.0
%
  
$
9,824
      
40.3
%
Construction and land development
    
2,316
      
12.3
%
    
2,987
      
10.8
%
    
2,523
      
13.0
%
    
3,976
      
16.0
%
    
7,895
      
17.3
%
Commercial and industrial
    
3,006
      
21.7
%
    
1,924
      
11.8
%
    
2,331
      
13.1
%
    
3,797
      
14.9
%
    
6,542
      
15.1
%
Multi-family
    
402
      
3.2
%
    
654
      
3.4
%
    
531
      
2.8
%
    
652
      
2.1
%
    
215
      
3.2
%
Residential real estate
    
473
      
7.0
%
    
1,098
      
7.3
%
    
1,188
      
6.4
%
    
1,106
      
5.9
%
    
2,762
      
7.1
%
Residential real estate-mezzanine
    
-
      
0.0
%
    
-
      
0.0
%
    
-
      
0.0
%
    
-
      
0.0
%
    
1,000
      
0.4
%
Leases
    
1,223
      
11.6
%
    
1,108
      
10.8
%
    
1,311
      
8.7
%
    
1,670
      
7.8
%
    
1,757
      
5.7
%
Tax certificates
    
555
      
3.5
%
    
472
      
7.1
%
    
425
      
11.8
%
    
380
      
14.1
%
    
290
      
10.6
%
Consumer
    
15
      
0.2
%
    
29
      
0.3
%
    
20
      
0.2
%
    
12
      
0.2
%
    
25
      
0.3
%
Unallocated
    
183
      
0.0
%
    
239
      
0.0
%
    
307
      
0.0
%
    
2
      
0.0
%
    
21
      
0.0
%
Total
  
$
13,671
      
100.0
%
  
$
17,261
      
100.0
%
  
$
16,380
      
100.0
%
  
$
21,129
      
100.0
%
  
$
30,331
      
100.0
%

Due to the improved credit quality of the loan portfolio and the decline in non-accrual loan balances, the Company recorded a credit of $872,000 to the allowance in 2013.  The provision for loan and lease losses was $6.0 million for 2012.  During 2013 non-accrual LHFI decreased $11.3 million, or 52.6% from 2012.  The Company recorded $2.7 million in net charge-offs in 2013, which were primarily related to specific reserves.  Commercial, construction and land development, and commercial real estate loans represent 35.7%, 26.1%, and 22.9%, respectively, of the total $10.2 million in non-accrual loans at December 31, 2013.  Total charge-offs recorded in 2013 related to construction and land development loans and commercial real estate loans were $2.5 million, or 64.3%, of total charge-offs in 2013.
 
The provision for loan and lease losses was $6.0 million in 2012 compared to $7.7 million in 2011. Commercial real estate, commercial loans, and construction and land loans represent 51.8%, 21.6%, and 18.6%, respectively, of the total $23.0 million in non-accrual loans at December 31, 2012.  Total charge-offs recorded in 2012 related to construction and land development loans and commercial real estate loans were $3.8 million, or 60.0%, of total charge-offs in 2012.

Deposits:  The Company’s deposits are an important source of funding. Total deposits of $529.0 million at December 31, 2013 decreased $25.9 million, or 4.7%, from $554.9 million at December 31, 2012.  Time deposit accounts of $240.8 million at December 31, 2013 decreased $14.8 million, or 5.8%, from $255.6 million at December 31, 2012 primarily as a result of the Company electing to partially run off the higher cost deposits.  Money market accounts declined $14.7 million while demand and NOW accounts increased $1.9 million and $1.5 million, respectively.

FHLB Borrowings:  Borrowings consist of long-term borrowings (advances) and short-term borrowings (overnight borrowings, advances).  Total FHLB borrowings were $65.0 million at December 31, 2013 and 2012.  During the second quarter of 2013, a maturing $50.0 million FHLB advance with a rate of 2.64% was replaced with four separate FHLB advances and short-term borrowings which currently carry an average yield of 1.13%.

Other Borrowings:  The Company has a note payable with PNC Bank (“PNC”) at December 31, 2013 in the amount of $2.9 million with a maturity date of August 25, 2016.  The note payable balance at December 31, 2012 was $3.3 million.  The interest rate is a variable rate using a rate index of one month LIBOR + 15 basis points and adjusts monthly.  The interest rate at December 31, 2013 and 2012 was 0.32% and 0.36%, respectively.  At December 31, 2013 and 2012, the Company had other borrowings of $40.0 million from PNC which will mature on January 7, 2018.  These borrowings are secured by government agencies and mortgaged-backed securities.  These borrowings have a weighted average interest rate of 3.65%.  As of December 31, 2013, investment securities with a market value of $49.7 million were pledged as collateral to secure all borrowings with PNC.

41
Subordinated Debentures:  The Company has outstanding $25.0 million of trust preferred securities which have a maturity date of October 2034.  The interest rate resets quarterly at 3-month LIBOR plus 2.15% and was 2.39% at December 31, 2013. On August 13, 2009, the Company’s Board suspended the interest payments on the trust preferred securities.  Under the Federal Reserve MOU as described in “Note 2 – Regulatory Matters and Significant Risks or Uncertainties” to the Consolidated Financial Statements, the Company and its non-bank subsidiaries may not make any distributions of interest, principal, or other sums on subordinated debentures or trust preferred securities without the prior written approval of the Reserve Bank and the Director of the Division of Banking Supervision and Regulation of the Board of Governors of the Federal Reserve System.  During the third quarter of 2013, the Company received approval from the Federal Reserve Bank to pay the $3.1 million interest payment in arrears on the trust preferred securities.  On September 16, 2013, the Company became current on the trust preferred interest payments which included an interest penalty of $174,000.  The Company received approval and paid the fourth quarter interest payment in December 2013.

Other Liabilities:  At December 31, 2013, other liabilities of $20.9 million decreased $2.2 million from December 31, 2012.  This was principally due to a decline of $2.4 million related to unfunded pension plan obligations.

Shareholders’ Equity:  Shareholders’ equity decreased $5.8 million, or 10.8%, in 2013 to $47.8 million primarily due to a $6.0 million increase in accumulated other comprehensive loss due to declines in valuations in the bond markets that negatively impacted the investment portfolio and pension.  Noncontrolling interest declined $3.5 million from $3.8 million at December 31, 2012 to $271,000 at December 31, 2013 due to the Company’s acquisition of an additional 20% interest in CSC and 40% interest of RTL.  See “Item 1 Business” “Royal Bank America” of this Form 10-K for additional information regarding the acquisitions.

The Company has entered into binding commitments with Emerald Advisers, Inc., a group of institutional investors, certain directors and officers of Royal, and other private investors to issue and sell a total of 11,656,666 shares, or $14.0 million in proceeds, of Royal’s Class A common stock in a private placement.  Emerald and the group of institutional investors have each agreed to purchase up to 2,400,000 shares of Class A common stock in the private placement.
 
All shares issued in the private placement will be sold at a price of $1.20 per share.  Royal’s obligation to issue such shares in the private placement, and the purchasers’ obligation to purchase such shares, is contingent on, among other things (i) Royal receiving approval from the Board of Governors of the Federal Reserve to bid to purchase shares of Royal’s Fixed Rate Cumulative Perpetual Preferred Stock, Series A issued in 2009 to the United States Department of the Treasury in an auction of such shares to be conducted by the Treasury, and (ii) at least part of Royal’s bid to purchase such shares being accepted in such auction.  The number of shares to be issued in the private placement is subject to adjustment based on the total purchase price of the Series A shares that Royal is successful in purchasing in the auction.  In addition, no purchaser will be obligated to purchase, and Royal will not be obligated to issue shares to any purchaser, if after giving effect to the issuance of such shares such purchaser would own more than 9.9% of the Class A common stock outstanding.  The date of the auction has not been scheduled.

Asset Liability Management

The primary functions of asset-liability management are to ensure adequate liquidity and maintain an appropriate balance between interest earning assets and interest bearing liabilities.  This process is overseen by the Asset-Liability Committee (“ALCO”) which monitors and controls, among other variables, the liquidity, balance sheet structure and interest rate risk of the consolidated company within policy parameters established and outlined in the ALCO Policy which are reviewed by the Board of Directors at least annually. Additionally, the ALCO committee meets periodically and reports on liquidity, interest rate sensitivity and projects financial performance in various interest rate scenarios.

Liquidity:  Liquidity is the ability of the financial institution to ensure that adequate funds will be available to meet its financial commitments as they become due.  In managing its liquidity position, the financial institution evaluates all sources of funds, the largest of which is deposits.  Also taken into consideration are securities maturing in one year or less, other short-term investments, and the repayment of loans.  These sources provide the financial institution with alternatives to meet its short-term liquidity needs.  Longer-term liquidity needs may be met by issuing longer-term deposits and by raising additional capital.

42
The Company generally targets liquidity ratios equal to or greater than 12% and 10% of total deposits and total liabilities, respectively.  The liquidity ratios are specifically defined as the ratio of net cash, available FHLB and other lines of credit, and unpledged marketable securities relative to both total deposits and total liabilities. At December 31, 2013, liquidity as a percent of deposits was 72% and liquidity as a percent of total liabilities was 56%.  At December 31, 2012, liquidity as a percent of deposits was 48% and liquidity as a percent of total liabilities was 38%.  Management believes that the Company’s liquidity position continues to be adequate and meets or exceeds the liquidity target set forth in the Asset/Liability Management Policy.  Management believes that due to its financial position, it will be able to raise deposits as needed to meet liquidity demands.  However, any financial institution could have unmet liquidity demands at any time.

Our funding decisions can be influenced by unplanned events, which include, but are not limited to, the inability to fund asset growth, difficulty renewing or replacing funds that mature, the ability to maintain or draw down lines of credit with other financial institutions, significant customer withdrawals of deposits, and market disruptions. The Company has a liquidity contingency plan in the event liquidity falls below an acceptable level, however in today’s economic environment, events could arise that may render sources of liquid funds unavailable in the future when required.  The Company’s ALCO meets monthly to monitor liquidity management.

Contractual Obligations and Other Commitments:  The following table sets forth contractual obligations and other commitments representing required and potential cash outflows as of December 31, 2013.
 
 
  
As of December 31, 2013
  
(In thousands)
  
Total
    
Less than
one year
    
One to
three years
    
Four to
five years
    
More than
five years
  
FHLB borrowings
  
$
65,000
    
$
10,000
    
$
20,000
    
$
35,000
    
$
-
  
Operating leases
    
6,367
      
858
      
1,760
      
1,679
      
2,070
  
PNC Bank
    
42,881
      
-
      
2,881
      
40,000
      
-
  
Benefit obligations
    
10,612
      
970
      
2,002
      
2,030
      
5,610
  
Standby letters of credit
    
2,679
      
2,679
      
-
      
-
      
-
  
Subordinated debt
    
25,774
      
-
      
-
      
-
      
25,774
  
Non-interest bearing deposits
    
60,473
      
60,473
      
-
      
-
      
-
  
Interest bearing deposits
    
227,646
      
99,605
      
128,041
      
-
      
-
  
Time deposits
    
240,845
      
117,181
      
100,945
      
8,577
      
14,142
  
Total
  
$
682,277
    
$
291,766
    
$
255,629
    
$
87,286
    
$
47,596
  

Capital Adequacy

In connection with a prior bank regulatory examination, the FDIC concluded, based upon its interpretation of the Consolidated Reports of Condition and Income (the “Call Report”) instructions and under regulatory accounting principles (“RAP”), that income from Royal Bank’s tax lien business should be recognized on a cash basis, not an accrual basis.  Royal Bank’s current accrual method is in accordance with U.S. GAAP.  Royal Bank disagrees with the FDIC’s conclusion and filed the Call Report for December 31, 2013 and the previous 13 quarters in accordance with U.S. GAAP.  The change in the method of revenue recognition for the tax lien business for regulatory accounting purposes affects Royal Bank’s capital ratios as shown below.  The resolution of this matter will be decided by additional joint regulatory agency guidance which includes the Federal Reserve Bank, the FDIC, and the office of the Controller of the Currency ("OCC").
43
The table below sets forth Royal Bank’s capital ratios under RAP, based on the FDIC’s interpretation of the Call Report instructions:

 
  
As of December 31,
  
 
  
2013
    
2012
  
 
  
   
 
Leverage ratio
    
9.13
%
    
8.00
%
Tier 1 risk based capital ratio
    
14.34
%
    
13.94
%
Total risk based capital ratio
    
15.61
%
    
15.22
%

The tables below reflect the adjustments to the net loss as well as the capital ratios under U.S. GAAP:

 
  
For the years ended
December 31,
  
(In thousands)
  
2013
    
2012
  
RAP net loss
  
$
(139
)
  
$
(17,974
)
Tax lien adjustment, net of noncontrolling interest
    
2,844
      
4,731
  
U.S. GAAP net income (loss)
  
$
2,705
    
$
(13,243
)

 
  
At December 31, 2013
    
At December 31, 2012
  
 
  
As reported
    
As adjusted
    
As reported
    
As adjusted
  
 
  
under RAP
    
for U.S. GAAP
    
under RAP
    
for U.S. GAAP
  
Total capital (to risk-weighted assets)
    
15.61
%
    
16.49
%
    
15.22
%
    
16.73
%
Tier I capital (to risk-weighted assets)
    
14.34
%
    
15.22
%
    
13.94
%
    
15.44
%
Tier I capital (to average assets, leverage)
    
9.13
%
    
9.73
%
    
8.00
%
    
8.93
%

The tables below reflect the Company’s capital ratios and the Company’s performance ratios:

 
  
As of December 31,
  
 
  
2013
    
2012
  
 
  
   
 
Leverage ratio
    
9.79
%
    
9.05
%
Tier 1 risk based capital ratio
    
15.31
%
    
15.62
%
Total risk based capital ratio
    
18.09
%
    
18.46
%
 
                
Capital performance
                
Return on average assets
    
0.28
%
    
(1.91
%)
Return on average equity
    
4.17
%
    
(23.05
%)

44
The Company has filed the Consolidated Financial Statements for Bank Holding Companies-FR Y-9C (“FR Y-9C”) for December 31, 2013 consistent with U.S. GAAP and the FR Y-9C instructions.  In the event that a similar adjustment for RAP purposes would be required by the Federal Reserve on the holding company level, the adjusted ratios are shown in the tables below.

 
  
For the years ended December 31,
  
(In thousands)
  
2013
    
2012
  
U.S. GAAP net income (loss)
  
$
2,109
    
$
(15,625
)
Tax lien adjustment, net of noncontrolling interest
    
(2,844
)
    
(4,731
)
RAP net loss
  
$
(735
)
  
$
(20,356
)

 
  
At December 31, 2013
    
At December 31, 2012
  
 
  
As reported
    
As adjusted
    
As reported
    
As adjusted
  
 
  
under US GAAP
    
for RAP
    
under US GAAP
    
for RAP
  
Total capital (to risk-weighted assets)
    
18.09
%
    
17.24
%
    
18.46
%
    
17.01
%
Tier I capital (to risk-weighted assets)
    
15.31
%
    
14.10
%
    
15.62
%
    
13.55
%
Tier I capital (to average assets, leverage)
    
9.79
%
    
8.98
%
    
9.05
%
    
7.79
%

The capital ratios set forth above compare favorably to the minimum required amounts of Tier 1 and total capital to risk-weighted assets and the minimum Tier 1 leverage ratio, as defined by the banking regulators.  At December 31, 2013, the Company was required to have minimum Tier 1 and total capital ratios of 4.0% and 8.0%, respectively, and a minimum Tier 1 leverage ratio of 4.0%.  At December 31, 2013, the Company met the regulatory minimum capital requirements, and management believes that, under current regulations, the Company will continue to meet its minimum capital requirements in the foreseeable future.  As described in “Regulatory Action” under “Item 1 – Business” in this Report, Royal Bank is required to maintain a minimum Tier 1 leverage ratio of 8% and a Total risk-based capital ratio of 12% as part of an informal agreement.  Royal Bank met those requirements at December 31, 2013.  See “Note 15 – Regulatory Capital Requirements” of the Notes to Consolidated Financial Statements in Item 8 of this Report.  Royal Bank met the criteria for a well-capitalized institution which is a leverage ratio of 5%, a Tier 1 ratio of 8%, and a total capital ratio of 10%.

Management Options to Purchase Securities

The 2007 Long-Term Incentive Plan was approved by shareholders at the 2007 Annual Meeting.  All employees and non-employee directors of the Company and its designated subsidiaries are eligible participants. The plan includes 1,000,000 shares of Class A common stock (of which 250,000 shares may be issued as restricted stock), subject to customary anti-dilution adjustments, or approximately 9.0% of total outstanding shares of the Class A common stock.  As of December 31, 2013, options to purchase 206,072 shares from this plan have been granted. The option price is equal to the fair market value at the date of the grant.  The options are exercisable based on the vesting schedule of the specific grant and begin one year after the date of grant.  The options must be exercised within ten years of the grant.  At December 31, 2013, 89,386 of the options that have been granted are outstanding.  The restricted stock is granted with an estimated fair value equal to the market value of the Company closing stock price on the date of the grant.  Restricted stock will vest three years from the grant date, if the Company achieves specific goals set by the Compensation Committee and approved by the Board of Directors. These goals include a three year average return on assets compared to peers, a three year average return on equity compared to peers and a minimum return on both assets and equity over the three year period.
 
The Company had a non-qualified outside directors’ stock option plan and a non-qualified employee stock option and appreciation right plan.  The ability to grant new options under these two plans expired. At December 31, 2013, 25,670 of the options that have been granted under the outside directors’ stock option plan are outstanding and exercisable and 82,780 of the options that have been granted under employee stock option are outstanding and exercisable.

Loans and Lease Financing Receivables

The Company originates commercial and real estate loans, including construction and land development primarily in the greater Philadelphia metropolitan area as well as selected locations throughout the Mid-Atlantic region. The Company also has participated with other financial institutions in selected construction and land development loans outside these geographic areas. The Company has a concentration of credit risk in commercial real estate, construction and land development loans at December 31, 2013.  A substantial portion of its debtors’ ability to honor these contracts is dependent upon the housing sector specifically and the economy in general.

45
The Company classifies its leases as finance leases, in accordance to FASB ASC Topic 840, “Leases”. The difference between the Company’s gross investment in the lease and the cost or carrying amount of the leased property, if different, is recorded as unearned income, which is amortized to income over the lease term by the interest method.

The Company has made loans to the officers and directors of the Company and to their associates.  In accordance with Regulation O related party loans are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated persons and do not involve more than normal risk of collectability.  The aggregate dollar amount of these loans was $234,000 and $1.4 million at December 31, 2013 and 2012.  During 2013, there were no new related party loans.  Total payments received on related party loans in 2013 were $1.2 million.

The following table reflects the composition of the loan portfolio and the percent of gross loans outstanding represented by each category at the dates indicated.

 
  
As of December 31,
  
(Dollars in thousands)
  
2013
    
2012
    
2011
    
2010
    
2009
  
Commercial real estate
  
$
148,293
      
40.5
%
  
$
167,115
      
48.5
%
  
$
182,579
      
44.0
%
  
$
194,203
      
39.0
%
  
$
277,234
      
40.3
%
Construction and land development
    
45,261
      
12.3
%
    
37,215
      
10.8
%
    
54,120
      
13.0
%
    
79,638
      
16.0
%
    
119,074
      
17.3
%
Commercial and industrial
    
79,589
      
21.7
%
    
40,560
      
11.8
%
    
54,136
      
13.1
%
    
74,027
      
14.9
%
    
104,063
      
15.1
%
Multi-family
    
11,737
      
3.2
%
    
11,756
      
3.4
%
    
11,622
      
2.8
%
    
10,277
      
2.1
%
    
22,017
      
3.2
%
Residential real estate
    
25,535
      
7.0
%
    
24,981
      
7.3
%
    
26,637
      
6.4
%
    
29,299
      
5.9
%
    
48,498
      
7.1
%
Residential real estate-mezzanine
    
-
              
-
              
-
      
0.0
%
    
-
      
0.0
%
    
2,480
      
0.4
%
Leases
    
42,524
      
11.6
%
    
37,347
      
10.8
%
    
36,014
      
8.7
%
    
38,725
      
7.8
%
    
39,097
      
5.7
%
Tax certificates
    
12,716
      
3.5
%
    
24,569
      
7.1
%
    
48,809
      
11.8
%
    
70,443
      
14.1
%
    
73,106
      
10.6
%
Consumer
    
826
      
0.2
%
    
1,139
      
0.3
%
    
949
      
0.2
%
    
793
      
0.2
%
    
2,173
      
0.3
%
Total gross loans and leases
  
$
366,481
      
100
%
  
$
344,682
      
100
%
  
$
414,866
      
100
%
  
$
497,405
      
100
%
  
$
687,742
      
100
%
Unearned income*
    
-
              
(517
)
            
(623
)
            
(551
)
            
(878
)
        
 
  
$
366,481
            
$
344,165
            
$
414,243
            
$
496,854
            
$
686,864
          
Allowance for loan and lease losses
    
(13,671
)
            
(17,261
)
            
(16,380
)
            
(21,129
)
            
(30,331
)
        
Total net loans and leases
  
$
352,810
            
$
326,904
            
$
397,863
            
$
475,725
            
$
656,533
          

*
For the 2013 period net deferred fees were allocated among the various loan types.

Credit Classification Process

The loan review function is outsourced to a third party vendor which applies the Company’s loan rating system to specific credits. The Company uses a nine point grading risk classification system commonly used in the financial services industry.  The first four classifications are rated Pass.  The riskier classifications include Pass-Watch, Special Mention, Substandard, Doubtful and Loss.  Upon completion of a loan review, a copy of any review receiving an adverse classification by the reviewer is presented to the Classified, Charge-off and Impairment Committee (“CCIC”) for discussion. The CCO is the primary bank officer dealing with the third party vendor during the reviews.
 
All loans are subject to initial loan review. Additional review is undertaken with respect to loans providing potentially greater exposure. This is accomplished by:

· 100% of loans with balances of $1.5 million or greater;

· 80% of loans with balances from $1.0 million up to $1.5 million;

46
· 25% of loans with balances from $500,000 up to $1 million;

· 5% of loans with balances below $500,000; and

· Loans requested specifically by the Company’s management

Loans on the Company’s Special Assets Committee list are also subject to loan review even though they are receiving the daily attention of an assigned officer and monthly attention of the Special Assets Committee.  A watch list is maintained and reviewed at each meeting of CCIC. CCIC was formed to formalize the process and documentation required to classify, remove from classification, impair or charge-off a loan. The CCIC, which is comprised of the CEO, CFO, CCO, CLO, CARO, and Chief Accounting Officer (“CAO”) meet as required and provide regular updated reports to the Board of Directors.  Loans are added to the watch list, even though the loans may be current or less than 30 days delinquent if they exhibit elements of substandard creditworthiness. The watch list contains a statement for each loan as to why it merits special attention, and this list is distributed to the Board of Directors on a monthly basis. Loans may be removed from the watch list if the CCIC determines that exception items have been resolved or creditworthiness has improved. Additionally, if loans become serious collection matters and are listed on the Company’s monthly delinquent loan or Special Assets Committee lists, they may be removed from the watch list.  Minutes outlining the CCIC’s findings and recommendations are issued after each meeting for follow-up by individual loan officers.

All loans, at the time of presentation to the appropriate loan committee, are given an initial loan “risk” rating by the CCO. From time to time, and at the general direction of any of the various loan committees, the ratings may be changed based on the findings of that committee. Items considered in assigning ratings include the financial strength of the borrower and/or guarantors, the type of collateral, the collateral lien position, the type of loan and loan structure, any potential risk inherent in the specific loan type, higher than normal monitoring of the loan or any other factor deemed appropriate by any of the various committees for changing the rating of the loan. Any such change in rating is reflected in the minutes of that committee.

Credit Quality

The following table presents the principal amounts of non-accrual loans held for investment and other real estate owned:

 
  
As of December 31,
  
(Dollars in thousands)
  
2013
    
2012
    
2011
    
2010
    
2009
  
Non-accrual loans (1)
  
$
10,157
    
$
21,432
    
$
38,755
    
$
43,162
    
$
73,679
  
Other real estate owned
    
9,617
      
13,435
      
21,016
      
29,244
      
30,317
  
Total non-performing assets
  
$
19,774
    
$
34,867
    
$
59,771
    
$
72,406
    
$
103,996
  
Non-performing assets to total assets
    
2.70
%
    
4.53
%
    
7.08
%
    
7.42
%
    
8.07
%
Non-performing loans to total loans
    
2.77
%
    
6.23
%
    
9.36
%
    
8.69
%
    
10.73
%
Allowance for loan loss to non-accrual loans
    
134.60
%
    
80.54
%
    
42.27
%
    
48.95
%
    
41.17
%

(1) Generally, a loan is placed in non-accrual status when it has been delinquent for a period of 90 days or more, unless the loan is both well secured and in the process of collection.

47
Non-accrual loan activity for each of the four quarters in 2013 is set forth below:

 
  
   
1st Quarter Activity
  
(In thousands)
  
Balance at
January 1, 2013
    
Additions
    
Payments
and other
decreases
    
Charge-offs/
 Impairment*
    
Transfer to
OREO
    
Balance at
March 31, 2013
  
Non-accrual loans held for investment
  
   
   
   
   
   
 
Commercial real estate
  
$
10,345
    
$
-
    
$
(1,631
)
  
$
(835
)
  
$
-
    
$
7,879
  
Construction and land development
    
4,280
      
-
      
(418
)
    
(820
)
    
-
      
3,042
  
Commercial & industrial
    
4,961
      
141
      
(906
)
    
(173
)
    
-
      
4,023
  
Residential real estate
    
994
      
-
      
(462
)
    
-
      
(100
)
    
432
  
Leases
    
251
      
-
      
(84
)
    
(10
)
    
-
      
157
  
Tax certificates
    
601
      
1,955
      
(3
)
    
(147
)
    
(1,855
)
    
551
  
Total non-accrual LHFI
  
$
21,432
    
$
2,096
    
$
(3,504
)
  
$
(1,985
)
  
$
(1,955
)
  
$
16,084
  
Non-accrual loans held for sale
                                                
Commercial real estate
  
$
1,572
    
$
-
    
$
-
    
$
(100
)
  
$
-
    
$
1,472
  
Total non-accrual LHFS
  
$
1,572
    
$
-
    
$
-
    
$
(100
)
  
$
-
    
$
1,472
  
Total non-accrual loans
  
$
23,004
    
$
2,096
    
$
(3,504
)
  
$
(2,085
)
  
$
(1,955
)
  
$
17,556
  
 
 
  
   
2nd Quarter Activity
  
(In thousands)
  
Balance at
April 1, 2013
    
Additions
    
Payments
and other
decreases
    
Charge-offs/
Impairment*
    
Transfer to
OREO
    
Balance at
June 30, 2013
  
Non-accrual loans held for investment
  
   
   
   
   
   
 
Commercial real estate
  
$
7,879
    
$
926
    
$
(121
)
  
$
-
    
$
-
    
$
8,684
  
Construction and land development
    
3,042
      
-
      
(287
)
    
-
      
-
      
2,755
  
Commercial & industrial
    
4,023
      
44
      
(364
)
    
(21
)
    
-
      
3,682
  
Residential real estate
    
432
      
59
      
-
      
-
      
-
      
491
  
Leases
    
157
      
197
      
(15
)
    
(99
)
    
-
      
240
  
Tax certificates
    
551
      
2,362
      
(39
)
    
(138
)
    
(2,252
)
    
484
  
Total non-accrual LHFI
  
$
16,084
    
$
3,588
    
$
(826
)
  
$
(258
)
  
$
(2,252
)
  
$
16,336
  
Non-accrual loans held for sale
                                                
Commercial real estate
  
$
1,472
    
$
-
    
$
-
    
$
(53
)
  
$
-
    
$
1,419
  
Total non-accrual LHFS
  
$
1,472
    
$
-
    
$
-
    
$
(53
)
  
$
-
    
$
1,419
  
Total non-accrual loans
  
$
17,556
    
$
3,588
    
$
(826
)
  
$
(311
)
  
$
(2,252
)
  
$
17,755
  

 
  
   
3rd Quarter Activity
  
(In thousands)
  
Balance at
July 1, 2013
    
Additions
    
Payments
and other
decreases
    
Charge-offs/
Impairment*
    
Transfer to
OREO
    
Balance at
September 30, 2013
  
Non-accrual loans held for investment
  
   
   
   
   
   
 
Commercial real estate
  
$
8,684
    
$
-
    
$
(2,602
)
  
$
(605
)
  
$
-
    
$
5,477
  
Construction and land development
    
2,755
      
-
      
(56
)
    
-
      
-
      
2,699
  
Commercial & industrial
    
3,682
      
275
      
(68
)
    
(34
)
    
-
      
3,855
  
Residential real estate
    
491
      
77
      
(16
)
    
(32
)
    
-
      
520
  
Leases
    
240
      
185
      
-
      
(40
)
    
-
      
385
  
Tax certificates
    
484
      
2,399
      
(5
)
    
(126
)
    
(2,220
)
    
532
  
Total non-accrual LHFI
  
$
16,336
    
$
2,936
    
$
(2,747
)
  
$
(837
)
  
$
(2,220
)
  
$
13,468
  
Non-accrual loans held for sale
                                                
Commercial real estate
  
$
1,419
    
$
-
    
$
(1,419
)
  
$
-
    
$
-
    
$
-
  
Total non-accrual LHFS
  
$
1,419
    
$
-
    
$
(1,419
)
  
$
-
    
$
-
    
$
-
  
Total non-accrual loans
  
$
17,755
    
$
2,936
    
$
(4,166
)
  
$
(837
)
  
$
(2,220
)
  
$
13,468
  

48
 
  
   
4th Quarter Activity
  
(In thousands)
  
Balance at
October 1, 2013
    
Additions
    
Payments
and other
decreases
    
Charge-offs/
Impairment*
    
Transfer to
OREO
    
Balance at
December 31, 2013
  
Non-accrual loans held for investment
  
   
   
   
   
   
 
Commercial real estate
  
$
5,477
    
$
1,643
    
$
(4,551
)
  
$
(244
)
  
$
-
    
$
2,325
  
Construction and land development
    
2,699
      
-
      
(49
)
    
-
      
-
      
2,650
  
Commercial & industrial
    
3,855
      
-
      
(71
)
    
(155
)
    
-
      
3,629
  
Residential real estate
    
520
      
149
      
(23
)
    
(14
)
    
-
      
632
  
Leases
    
385
      
315
      
-
      
(233
)
    
-
      
467
  
Tax certificates
    
532
      
2,726
      
(13
)
    
(167
)
    
(2,624
)
    
454
  
Total non-accrual LHFI
  
$
13,468
    
$
4,833
    
$
(4,707
)
  
$
(813
)
  
$
(2,624
)
  
$
10,157
  

*
Charge-offs on LHFI were recorded in the allowance while impairment on LHFS was recorded in other expenses.

Total non-accrual loans at December 31, 2013 were $10.2 million in LHFI.  Total non-accrual loans at December 31, 2012 were $23.0 million and were comprised of $21.4 million in LHFI and $1.6 million in LHFS.  The $12.8 million decline in total non-accrual loans was the result of a $13.2 million reduction in existing non-accrual loan balances through payments or payoffs, $4.0 million in charge-offs and write downs related to impairment, and transfers to OREO of $9.1 million, which collectively were offset by $13.5 million in additions. The majority of the new non-accrual activity and transfers to OREO originated from the tax certificate portfolio.  Commercial, construction and land, and commercial real estate loans represent 36%, 26%, and 23%, respectively, of the total $10.2 million in non-accrual loans at December 31, 2013.

Impaired Loans

The Company identifies a loan as impaired when it is probable that interest and principal will not be collected according to the contractual terms of the loan agreement.  Impaired loans include TDRs. The Company does not accrue interest income on impaired non-accrual loans. Excess proceeds received over the principal amounts due on impaired non-accrual loans are recognized as interest income on a cash basis. The Company recognizes interest income under the accrual basis when the principal payments on the loans become current and the collateral on the loan is sufficient to cover the outstanding obligation to the Company.  If these factors do not exist, the Company does not recognize interest income. If interest had been accrued, such interest income would have been approximately $1.7 million and $3.1 million for the years ended December 31, 2013 and 2012, respectively. At December 31, 2013, the Company had no loans past due 90 days or more on which interest continues to accrue.
 
The following is a summary of information pertaining to impaired loans and leases:

 
  
As of December 31,
  
(In thousands)
  
2013
    
2012
  
Impaired LHFI with a valuation allowance
  
$
3,835
    
$
9,405
  
Impaired LHFI without a valuation allowance
    
14,671
      
19,423
  
Impaired LHFS
    
-
      
1,572
  
Total impaired loans and leases
  
$
18,506
    
$
32,412
  
Valuation allowance related to impaired LHFI
  
$
886
    
$
2,026
  

Total cash collected on impaired loans and leases during 2013 and 2012 was $16.1 million and $23.4 million, respectively, of which $15.3 million and $21.1 million was credited to the principal balance outstanding on such loans, respectively.

49
Troubled Debt Restructurings

A loan modification is deemed a TDR when two conditions are met: 1) the borrower is experiencing financial difficulty and 2) concessions are made by the Company that would not otherwise be considered for a borrower or collateral with similar credit risk characteristics.  All loans classified as TDRs are considered to be impaired.  TDRs are returned to an accrual status when the loan is brought current, has performed in accordance with the contractual restructured terms for a reasonable period of time (generally six months) and the ultimate collectibility of the total contractual restructured principal and interest is no longer in doubt.  At December 31, 2013, the Company had twelve TDRs, of which five are on non-accrual status, with a total carrying value of $12.1 million.  At the time of the modifications, five of the loans were already classified as impaired loans.   At December 31, 2012, the Company had twelve TDRs, of which eight were on non-accrual status, with a total carrying value of $21.1 million.  At the time of the modifications, eight of the loans were already classified as impaired loans.    The Company’s policy for TDRs is to recognize income on currently performing restructured loans under the accrual method.

The following table details the Company’s TDRs that are on an accrual status and a non-accrual status at December 31, 2013.

 
  
As of December 31, 2013
  
(In thousands)
  
Number of
loans
    
Accrual
Status
    
Non-Accrual
Status
    
Total TDRs
  
Commercial real estate
    
3
    
$
3,847
    
$
-
    
$
3,847
  
Construction and land development
    
4
      
1,257
      
479
      
1,736
  
Commercial & industrial
    
3
      
4,420
      
1,960
      
6,380
  
Residential real estate
    
2
      
-
      
121
      
121
  
Total
    
12
    
$
9,524
    
$
2,560
    
$
12,084
  
 
The following table presents newly restructured loans that occurred during the year ended December 31, 2013.

 
  
Modifications by type for the year ended December 31, 2013
  
(Dollars in thousands)
  
Number of loans
    
Rate
    
Term
    
Payment
    
Combination of
types
    
Total
    
Pre-
Modification Outstanding
Recorded
Investment
    
Post-
Modification Outstanding
Recorded
Investment
  
Commercial real estate
    
2
    
$
-
    
$
-
    
$
-
    
$
3,705
    
$
3,705
    
$
3,761
    
$
3,761
  
Commercial & industrial
    
1
      
-
      
-
      
-
      
82
      
82
      
87
      
87
  
Total
    
3
    
$
-
    
$
-
    
$
-
    
$
3,787
    
$
3,787
    
$
3,848
    
$
3,848
  

At December 31, 2013, all of the TDRs were in compliance with their restructured terms.

Potential Problem Loans

Potential problem loans are loans not currently classified as non-performing loans, but for which management has doubts as to the borrowers’ ability to comply with present repayment terms. The loans are usually delinquent more than 30 days but less than 90 days. Potential problem loans amounted to approximately $9.1 million and $13.3 million at December 31, 2013 and December 31, 2012, respectively. Included in potential problem loans is one relationship with a carrying value of $4.9 million.  While the loan relationship was not delinquent at December 31, 2013, management is concerned about the credit and has been monitoring it closely.

50
Other Real Estate Owned (“OREO”):

OREO declined $3.8 million from $13.4 million at December 31, 2012 to $9.6 million at December 31, 2013.  During 2013 there was a shift in OREO composition from real estate acquired through, or in lieu of foreclosure in settlement of loans to real estate acquired through foreclosure related to tax liens.  Set forth below is a table which details the changes in OREO from December 31, 2012 to December 31, 2013.

 
  
For the year ended December 31, 2013
  
(In thousands)
  
Loans
    
Tax Liens
    
Total
  
Beginning balance
  
$
11,365
    
$
2,070
    
$
13,435
  
Net proceeds from sales
    
(8,869
)
    
(3,910
)
    
(12,779
)
Net gain on sales
    
228
      
1,199
      
1,427
  
Assets acquired on non-accrual loans
    
100
      
8,951
      
9,051
  
Impairment charge
    
(1,099
)
    
(418
)
    
(1,517
)
Ending balance
  
$
1,725
    
$
7,892
    
$
9,617
  

At December 31, 2013, OREO was comprised of $7.9 million in tax liens, $769,000 in land, $521,000 in commercial real estate, and a residential condominium project with a fair value of $435,000.  During 2013, the Company sold five separate land parcels and sold residential real estate properties related to five loan relationships. The Company received $6.0 million in net proceeds and recorded a net loss of $194,000 as a result of these sales.  Additionally, the Company sold a commercial real estate property, which was a hotel construction project in Minneapolis, Minnesota in which the Company was a participant. The Company received its pro rata share of net proceeds in the amount of $2.5 million and recorded a net gain of $262,000.  The Company also sold 42 condominiums related to the construction project in Minneapolis, Minnesota. The Company received its pro rata share of net proceeds in the amount of $330,000 and recorded net gains of $160,000.  During 2013, the Company recorded impairment charges of $628,000 on three land properties.  Due to the length of time that these properties have been classified as OREO and the inability to close on prior agreements of sales, the Company decided to a make a steep reduction in the selling prices of these three properties.  In addition the Company recorded impairment charges of $325,000 and $146,000 related to commercial real estate and residential real estate properties due to updated annual appraisals or agreements of sale.

In 2013 as the composition of the OREO assets evolved to properties acquired through the tax lien portfolio, the Company transferred $9.0 million to OREO which represents 84 separate properties.  During 2013, the Company sold 49 of the tax lien properties, received proceeds of $3.9 million, and recorded net gains of $1.2 million as a result of these sales. Additionally, the Company recorded impairment charges of $418,000 in 2013 related to the tax lien properties.  At December 31, 2012, OREO assets acquired through the tax lien portfolio were $2.1 million and were comprised of 30 properties.

The Company is working to satisfactorily sell the remaining OREO properties.  However the Company recognizes that the successful disposition of the properties, specifically the land, will likely take considerable time.

Investment Securities

The following tables present the consolidated amortized cost and approximate fair value at December 31, 2013 and 2012, respectively, for each major category of the Company’s AFS investment securities portfolio.

51
As of December 31, 2013
  
   
Included in AOCL*
    
 
(In thousands)
  
Amortized
cost
    
Gross
unrealized
gains
    
Gross
unrealized
losses
    
Fair value
  
Investment securities available-for-sale
  
   
   
   
 
U.S. government agencies
  
$
68,207
    
$
-
    
$
(6,171
)
  
$
62,036
  
Mortgage-backed  securities-residential
    
32,769
      
210
      
(882
)
    
32,097
  
Collateralized mortgage obligations:
                                
Issued or guaranteed by U.S. government agencies
    
188,194
      
2,887
      
(1,978
)
    
189,103
  
Non-agency
    
4,454
      
25
      
-
      
4,479
  
Corporate bonds
    
9,669
      
25
      
(256
)
    
9,438
  
Municipal bonds
    
7,163
      
-
      
(263
)
    
6,900
  
Common stocks
    
33
      
16
      
-
      
49
  
Other securities
    
3,363
      
1,405
      
(143
)
    
4,625
  
Total available-for-sale investment securities
  
$
313,852
    
$
4,568
    
$
(9,693
)
  
$
308,727
  

As of December 31, 2012
  
   
Included in AOCL*
    
 
(In thousands)
  
Amortized
cost
    
Gross
unrealized
gains
    
Gross
unrealized
losses
    
Fair value
  
Investment securities available-for-sale
  
   
   
   
 
U.S. government agencies
  
$
66,371
    
$
151
    
$
(78
)
  
$
66,444
  
Mortgage-backed  securities-residential
    
30,038
      
518
      
(47
)
    
30,509
  
Collateralized mortgage obligations:
                                
Issued or guaranteed by U.S. government agencies
    
229,556
      
5,031
      
(611
)
    
233,976
  
Non-agency
    
1,007
      
4
      
-
      
1,011
  
Corporate bonds
    
7,477
      
32
      
(72
)
    
7,437
  
Municipal bonds
    
5,645
      
-
      
(30
)
    
5,615
  
Common stocks
    
33
      
14
      
-
      
47
  
Other securities
    
3,752
      
520
      
(108
)
    
4,164
  
Total available-for-sale investment securities
  
$
343,879
    
$
6,270
    
$
(946
)
  
$
349,203
  

*
Accumulated other comprehensive loss
 
The contractual maturity distribution and weighted average rate of the Company’s AFS debt securities at December 31, 2013 are presented in the following table.  Mortgage-backed securities and collateralized mortgage obligations are presented within the category that represents the total weighted average expected maturity.

 
  
As of December 31, 2013
  
 
  
   
   
After one year, but
    
After five years, but
    
   
   
 
 
  
Within one year
    
within five years
    
within ten years
    
After ten years
    
Total
  
(In thousands, except percentages)
  
Amount
    
Rate
    
Amount
    
Rate
    
Amount
    
Rate
    
Amount
    
Rate
    
Amount
    
Rate
  
U.S. government agencies
  
$
-
      
-
    
$
-
      
-
    
$
24,153
      
2.00
%
  
$
37,883
      
2.49
%
  
$
62,036
      
2.30
%
Mortgage-backed  securities-residential
    
4
      
3.00
%
    
8,238
      
3.60
%
    
23,855
      
2.79
%
    
-
      
-
      
32,097
      
2.99
%
Collateralized mortgage obligations:
                                                                                
Issued or guaranteed by U.S. government agencies
    
2,291
      
4.14
%
    
115,163
      
3.79
%
    
71,649
      
3.39
%
    
-
      
-
      
189,103
      
3.64
%
Non-agency
    
-
      
-
      
4,479
      
3.32
%
    
-
      
-
      
-
      
-
      
4,479
      
3.32
%
Corporate bonds
    
100
      
1.40
%
    
3,661
      
2.91
%
    
3,858
      
2.58
%
    
1,819
      
4.00
%
    
9,438
      
2.98
%
Municipal bonds
    
-
      
-
      
2,698
      
3.52
%
    
3,235
      
4.06
%
    
967
      
3.50
%
    
6,900
      
3.76
%
Total AFS debt securities
  
$
2,395
      
3.50
%
  
$
134,239
      
3.83
%
  
$
126,750
      
3.08
%
  
$
40,669
      
2.23
%
  
$
304,053
      
3.25
%
52
The Company assesses whether OTTI is present when the fair value of a security is less than its amortized cost.  All investment securities are evaluated for OTTI under FASB ASC Topic 320, “Investments-Debt & Equity Securities” (“ASC Topic 320”).  Non-agency collateralized mortgage obligations may be evaluated under FASB ASC Topic 320 Subtopic 40, “Beneficial Interests in Securitized Financial Assets” under FASB ASC Topic 325, “Investments-Other”.  In determining whether OTTI exists, management considers numerous factors, including but not limited to: (1) the length of time and the extent to which the fair value is less than the amortized cost, (2) the Company’s intent to hold or sell the security, (3) the financial condition and results of the issuer including changes in capital, (4) the credit rating of the issuer, (5) analysts’ earnings estimate, (6) industry trends specific to the security, and (7) timing of debt maturity and status of debt payments.  If the Company intends to sell a security or will be required to sell a security, the OTTI is recognized in earnings equal to the entire difference between the fair value and the amortized cost basis at the balance sheet date.  If the Company does not intend to sell a security and it is not more likely than not that the entity will be required to sell a security before the recovery of its amortized cost basis, the OTTI is separated into two amounts, the credit related loss and the loss related to other factors.  The credit related loss is based on the present value of the expected cash flows and is recognized in earnings.  The noncredit-related loss is based on other factors such as illiquidity and is recognized in other comprehensive income. 
 
At December 31, 2013 investment securities were $308.7 million with a net unrealized loss of $5.1 million compared to $349.2 million with a net unrealized gain of $5.3 million at December 31, 2012.  The considerable swing to a net unrealized loss was directly impacted by increases of $6.1 million, $1.4 million and $835,000 in the gross unrealized loss on government agency debt securities, CMOs, and MBS, respectively.  These securities carry lower coupons and their market value was negatively impacted by a 72.2% increase in the 10-year Treasury yield from 1.76% at December 31, 2012 to 3.03% at December 31, 2013.  Refer to “Note 3- Investment Securities” to the Consolidated Financial Statements in Item 8 for more information.

Deposits

The average balance of the Company’s deposits by major classifications for each of the last three years is presented in the following table.

 
  
As of December 31,
  
 
  
2013
    
2012
    
2011
  
(In thousands, except percentages)
  
Average Balance
    
Rate
    
Average Balance
    
Rate
    
Average Balance
    
Rate
  
Demand deposits
  
   
   
   
   
   
 
Non interest  bearing
  
$
59,989
      
-
    
$
55,666
      
-
    
$
57,241
      
-
  
Interest  bearing (NOW)
    
42,576
      
0.11
%
    
42,305
      
0.33
%
    
42,488
      
0.56
%
Money market deposits
    
167,501
      
0.34
%
    
182,297
      
0.65
%
    
178,670
      
0.96
%
Savings deposits
    
17,802
      
0.21
%
    
17,006
      
0.39
%
    
15,727
      
0.55
%
Certificate of deposit
    
239,584
      
1.41
%
    
275,959
      
1.64
%
    
327,583
      
2.11
%
Total deposits
  
$
527,452
            
$
573,233
            
$
621,709
          

The remaining maturity of Certificates of Deposit of $100,000 or greater:

 
  
As of December 31,
  
(In thousands)
  
2013
    
2012
  
Three months or less
  
$
13,598
    
$
23,418
  
Over three months through twelve months
    
30,724
      
34,655
  
Over twelve months through five years
    
43,464
      
22,425
  
Over five years
    
4,977
      
10,735
  
Total
  
$
92,763
    
$
91,233
  

53
Short and Long Term Borrowings

 
  
As of December 31,
  
(In thousands)
  
2013
    
2012
    
2011
    
2010
    
2009
  
Short term borrowings
  
$
10,000
    
$
-
    
$
54,218
    
$
22,000
    
$
114,500
  
Long term borrowings
                                        
Other borrowings
    
42,881
      
43,333
      
43,782
      
44,230
      
44,674
  
Obligations through RE owned via equity invest(1)
    
-
      
-
      
-
      
-
      
3,652
  
Subordinated debt
    
25,774
      
25,774
      
25,774
      
25,774
      
25,774
  
FHLB advances
    
55,000
      
65,000
      
50,000
      
88,719
      
95,001
  
Total borrowings
  
$
133,655
    
$
134,107
    
$
173,774
    
$
180,723
    
$
283,601
  

(1)
This obligation is consolidated from requirements under ASC Topic 810 of which $0 was guaranteed by the Company.

ITEM 7A.
QUANTITATIVE AND QUALITATIVE DISCLOSURE ABOUT MARKET RISK

A simulation model is used to estimate the impact of various changes, both upward and downward, in market interest rates and volumes of assets and liabilities on net interest income and net income.  This model produces an interest rate exposure report that forecasts changes in the economic value of equity (“EVE”) and net interest income under alternative interest rate environments.  This model assumes that the change in interest rates occurs immediately.  The EVE is the difference between the present value of the expected future cash flows from Royal Bank’s existing assets and the present value of the expected future cash flows from Royal Bank’s existing liabilities.  The assumptions used in evaluating the vulnerability of earnings and capital to changes in interest rates are based on management’s considerations of past experience, current position and anticipated future economic conditions.  The interest rate sensitivity of assets and liabilities as well as the estimated effect of changes in interest rates on the EVE and net interest income could vary substantially if different assumptions are used or actual experience differs from what the calculations may be based.

The simulation model indicates that the Company is outside of the Company’s policy limits in all increasing rate scenarios for the EVE but within policy limits for net interest income.  The cause of the policy exceptions is primarily related to extension risk within the Company’s investment portfolio.  In a rising interest rate environment general expectations are for prepayments of principal to slow down which cause the life of the Company’s mortgage-backed and CMO securities to extend.  Management continues to work on changing the mix of interest-earning assets to mitigate this risk.  The calculated estimates of changes in the EVE as of December 31, 2013 and net interest income for 2014 for Royal Bank are as follows:

(In thousands, except percentages)
  
As of December 31, 2013
  
Changes in Rates
  
Economic Value
 of Equity
    
Percent of
Change
    
Policy
Limits
  
+  400 basis points
  
$
25,825
      
(67.3
%)
    
+/- 45
%
+  300 basis points
    
38,730
      
(51.0
%)
    
+/- 35
%
+  200 basis points
    
53,417
      
(32.4
%)
    
+/- 25
%
+  100 basis points
    
66,873
      
(15.4
%)
    
+/- 15
%
Flat rate
    
79,061
      
0.0
%
    
N/
A
-  100 basis points
    
86,480
      
9.4
%
    
+/- 15
%
-  200 basis points
    
81,905
      
3.6
%
    
+/- 25
%
54
(In thousands, except percentages)
  
Net Interest Income for 2014
  
Changes in Rates
  
Net Interest
Income
    
Percent of
Change
    
Policy
 Limits
  
+  400 basis points
  
$
18,911
      
(16.9
%)
    
+/- 40
%
+  300 basis points
    
20,210
      
(11.2
%)
    
+/- 30
%
+  200 basis points
    
21,364
      
(6.1
%)
    
+/- 20
%
+  100 basis points
    
22,165
      
(2.6
%)
    
+/- 10
%
Flat rate
    
22,755
      
0.0
%
    
N/
A
-  100 basis points
    
22,257
      
(2.2
%)
    
+/- 10
%
-  200 basis points
    
21,042
      
(7.5
%)
    
+/- 20
%

Interest-Rate Sensitivity:   Interest rate sensitivity is a function of the re-pricing characteristics of the Company’s assets and liabilities.  These include the volume of assets and liabilities re-pricing, the timing of re-pricing, and the interest rate sensitivity gaps which are a continual challenge in a changing rate environment.  In managing its interest rate sensitivity positions, the Company seeks to develop and implement strategies to control exposure of net interest income to risks associated with interest rate movements.  The interest rate sensitivity report examines the positioning of the interest rate risk exposure in a changing interest rate environment.  Ideally, the rate sensitive assets and liabilities will be maintained in a matched position to minimize interest rate risk.  The interest rate sensitivity analysis is an important management tool; however, it does have some inherent shortcomings.  It is a “static” analysis.  Although certain assets and liabilities may have similar maturities or re-pricing, they may react in different degrees to changes in market interest rates.  Additionally, re-pricing characteristics of certain assets and liabilities may vary substantially within a given period.

The following table summarizes re-pricing intervals for interest earning assets and interest bearing liabilities as of December 31, 2013, and the difference or “GAP” between them on an actual and cumulative basis for the periods indicated. A gap is considered positive when the amount of interest rate sensitive assets exceeds the amount of interest rate sensitive liabilities.  During a period of falling interest rates, a positive gap would tend to adversely affect net interest income, while a negative gap would tend to result in an increase in net interest income.  During a period of rising interest rates, a positive gap would tend to result in an increase in net interest income while a negative gap would tend to affect net interest income adversely.  At December 31, 2013, the Company is in a liability sensitive position of $19.7 million, which indicates that within one year the re-pricing of liabilities is sooner than the re-pricing of assets.
55
 
  
As of December 31, 2013
  
(In millions)
  
0 – 90 days
    
91 – 365
days
    
One to five
 years
    
Over five
 years
    
Non-rate
sensitive
    
Total
  
Assets  (1)
  
   
   
   
   
   
 
Interest-bearing deposits in banks
  
$
7.7
    
$
-
    
$
-
    
$
-
    
$
9.2
    
$
16.9
  
Investment securities
    
13.5
      
26.4
      
151.6
      
122.3
      
(5.1
)
    
308.7
  
Loans: (2)
                                                
Fixed rate
    
14.2
      
37.7
      
117.9
      
81.7
      
(13.5
)
    
238.0
  
Variable rate
    
49.2
      
65.6
      
-
      
-
      
-
      
114.8
  
Total loans
    
63.4
      
103.3
      
117.9
      
81.7
      
(13.5
)
    
352.8
  
Other assets (3)
    
-
      
21.6
      
-
      
-
      
32.3
      
53.9
  
Total Assets
  
$
84.6
    
$
151.3
    
$
269.5
    
$
204.0
    
$
22.9
    
$
732.3
  
Liabilities & Capital
                                                
Deposits:
                                                
Non interest bearing deposits
  
$
-
    
$
-
    
$
-
    
$
-
    
$
60.5
    
$
60.5
  
Interest bearing deposits
    
25.0
      
74.7
      
128.0
      
-
      
-
      
227.7
  
Certificate of deposits
    
36.1
      
81.1
      
109.5
      
14.1
      
-
      
240.8
  
Total deposits
    
61.1
      
155.8
      
237.5
      
14.1
      
60.5
      
529.0
  
Borrowings (1)
    
38.7
      
-
      
95.0
      
-
      
-
      
133.7
  
Other liabilities
    
-
      
-
      
-
      
-
      
21.8
      
21.8
  
Capital
    
-
      
-
      
-
      
-
      
47.8
      
47.8
  
Total liabilities & capital
  
$
99.8
    
$
155.8
    
$
332.5
    
$
14.1
    
$
130.1
    
$
732.3
  
Net  interest rate  GAP
  
$
(15.2
)
  
$
(4.5
)
  
$
(63.0
)
  
$
189.9
    
$
(107.2
)
        
Cumulative interest rate  GAP
  
$
(15.2
)
  
$
(19.7
)
  
$
(82.7
)
  
$
107.2
                  
GAP to total  assets
    
(2
%)
    
(1
%)
                                
GAP to total equity
    
(32
%)
    
(9
%)
                                
Cumulative GAP to total assets
    
(2
%)
    
(3
%)
                                
Cumulative GAP to total equity
    
(32
%)
    
(41
%)
                                

(1) Interest earning assets are included in the period in which the balances are expected to be repaid and/or re-priced as a result of anticipated prepayments, scheduled rate adjustments, and contractual maturities.
(2) Reflects principal maturing within the specified periods for fixed and re-pricing for variable rate loans; includes non-performing loans.
(3)
Includes FHLB stock.

The method of analysis of interest rate sensitivity in the table above has a number of limitations.  Certain assets and liabilities may react differently to changes in interest rates even though they re-price or mature in the same time periods.  The interest rates on certain assets and liabilities may change at different times than changes in market interest rates, with some changes in advance of changes in market rates and some lagging behind changes in market rates.  Also, certain assets have provisions, which limit changes in interest rates each time the interest rate changes and for the entire term of the loan.  Prepayments and withdrawals experienced in the event of a change in interest rates may deviate significantly from those assumed in the interest rate sensitivity table.  Additionally, the ability of some borrowers to service their debt may decrease in the event of an interest rate increase.
56
ITEM 8.
 FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
 
Report of Independent Registered Public Accounting Firm
 
To the Board of Directors and Shareholders
Royal Bancshares of Pennsylvania, Inc. and Subsidiaries

We have audited the accompanying consolidated balance sheets of Royal Bancshares of Pennsylvania, Inc. and subsidiaries (“the Company”) as of December 31, 2013 and 2012, and the related consolidated statements of operations, comprehensive loss, changes in shareholders’ equity, and cash flows for the years then ended. These consolidated financial statements are the responsibility of the Company’s management. Our responsibility is to express an opinion on these consolidated financial statements based on our audits.

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of Royal Bancshares of Pennsylvania, Inc. and subsidiaries as of December 31, 2013 and 2012, and the results of their operations and their cash flows for the years then ended, in conformity with accounting principles generally accepted in the United States of America.
 
/s/ ParenteBeard LLC

ParenteBeard LLC
Philadelphia, Pennsylvania
March 27, 2014
57
ROYAL BANCSHARES OF PENNSYLVANIA, INC. AND SUBSIDIARIES
Consolidated Balance Sheets

 
  
December 31,
  
ASSETS
  
2013
    
2012
  
 
  
(In thousands, except share data)
  
Cash and due from banks
  
$
9,154
    
$
10,621
  
Interest bearing deposits
    
7,690
      
18,181
  
Total cash and cash equivalents
    
16,844
      
28,802
  
Investment securities available-for-sale ("AFS”), at fair value
    
308,727
      
349,203
  
Other investment, at cost
    
2,250
      
2,250
  
Federal Home Loan Bank ("FHLB") stock, at cost
    
4,204
      
6,011
  
Loans and leases held for sale ("LHFS"), at lower of cost or fair market value
    
1,446
      
1,572
  
Loans and leases held for investment ("LHFI")
    
366,481
      
344,165
  
Less allowance for loan and lease losses
    
13,671
      
17,261
  
Net loans and leases
    
352,810
      
326,904
  
Bank owned life insurance
    
15,124
      
14,585
  
Accrued interest receivable
    
7,054
      
10,256
  
Other real estate owned ("OREO"), net
    
9,617
      
13,435
  
Premises and equipment, net
    
4,475
      
5,232
  
Other assets
    
9,703
      
11,205
  
Total assets
  
$
732,254
    
$
769,455
  
LIABILITIES AND SHAREHOLDERS’ EQUITY
                
Liabilities
                
Deposits
                
Non-interest bearing
  
$
60,473
    
$
58,531
  
Interest bearing
    
468,491
      
496,386
  
Total deposits
    
528,964
      
554,917
  
Short-term borrowings
    
10,000
      
-
  
Long-term borrowings
    
97,881
      
108,333
  
Subordinated debentures
    
25,774
      
25,774
  
Accrued interest payable
    
965
      
3,760
  
Other liabilities
    
20,865
      
23,103
  
Total liabilities
    
684,449
      
715,887
  
Shareholders’ equity
                
Royal Bancshares of Pennsylvania, Inc. equity:
                
Preferred stock, Series A perpetual, $1,000 liquidation value, 500,000 shares authorized, 30,407 shares issued and outstanding at December 31, 2013 and 2012
    
29,950
      
29,396
  
Class A common stock, par value $2.00 per share, authorized 40,000,000 shares; issued, 11,469,940 and 11,431,638 at December 31, 2013 and December 31, 2012, respectively
    
22,940
      
22,863
  
Class B common stock, par value $0.10 per share; authorized 3,000,000 shares; issued, 1,987,142 and 2,020,449 at December 31, 2013 and December 31, 2012, respectively
    
199
      
202
  
Additional paid in capital
    
127,299
      
126,287
  
Accumulated deficit
    
(120,396
)
    
(121,877
)
Accumulated other comprehensive loss
     (6,122
)
    
(142
)
Treasury stock - at cost, shares of Class A, 453,077 and 498,488 at December 31, 2013 and 2012
    
(6,336
)
    
(6,971
)
Total Royal Bancshares of Pennsylvania, Inc. shareholders’ equity
    
47,534
      
49,758
  
Noncontrolling interest
    
271
      
3,810
  
Total shareholders’ equity
     47,805      
53,568
  
Total liabilities and shareholders’ equity
  
$
 732,254    
$
769,455
  

The accompanying notes are an integral part of these consolidated financial statements.
58
ROYAL BANCSHARES OF PENNSYLVANIA, INC. AND SUBSIDIARIES
Consolidated Statements of Operations

 
  
For the years ended December 31,
  
 
  
2013
    
2012
  
 
  
(In thousands, except per share data)
  
Interest income
  
   
 
Loans and leases, including fees
  
$
21,741
    
$
25,266
  
Investment securities available for sale
    
5,757
      
6,677
  
Deposits in banks
    
26
      
38
  
Total Interest Income
    
27,524
      
31,981
  
Interest expense
                
Deposits
    
4,022
      
5,898
  
Short-term borrowings
    
22
      
309
  
Long-term borrowings
    
3,313
      
3,692
  
Total Interest Expense
    
7,357
      
9,899
  
Net Interest Income
    
20,167
      
22,082
  
(Credit) provision for loan and lease losses
    
(872
)
    
5,997
  
Net Interest Income after (Credit) Provision for Loan and Lease Losses
    
21,039
      
16,085
  
Non-interest income
                
Gains on sales of premises and equipment
    
2,524
      
-
  
Net gains on sales of other real estate owned
    
1,427
      
363
  
Service charges and fees
    
1,323
      
1,218
  
Gains on sales of loans and leases
    
686
      
2,057
  
Income from bank owned life insurance
    
539
      
553
  
Net gains on the sale of AFS investment securities
    
158
      
1,030
  
Other income
    
207
      
747
  
Total other-than-temporary impairment losses on investment securities
    
-
      
(2,359
)
Total Non-interest Income
    
6,864
      
3,609
  
Non-interest expense
                
Salaries and benefits
    
10,276
      
11,576
  
Professional and legal fees
    
2,954
      
4,180
  
OREO expenses and impairment charges
    
2,785
      
8,401
  
Occupancy and equipment
    
2,281
      
2,192
  
Loss contingency
    
1,750
      
-
  
Pennsylvania shares tax
    
1,123
      
1,148
  
FDIC and state assessments
    
1,038
      
1,056
  
Loan collection expenses
    
557
      
465
  
Directors fees
    
490
      
401
  
Restructuring charges
    
361
      
-
  
Impairment of loans held for sale
    
153
      
2,002
  
Department of Justice fine
    
-
      
2,000
  
Other operating expenses
    
2,562
      
2,903
  
Total Non-interest Expense
    
26,330
      
36,324
  
Income (Loss) Before Income Taxes
    
1,573
      
(16,630
)
Income tax expense
    
42
      
-
  
Net Income (Loss)
  
$
1,531
    
$
(16,630
)
Less net loss attributable to noncontrolling interest
    
(578
)
    
(1,005
)
Net Income (Loss) Attributable to Royal Bancshares of Pennsylvania, Inc.
  
$
2,109
    
$
(15,625
)
Less Preferred stock Series A accumulated dividend and accretion
  
$
2,075
    
$
2,038
  
Net Income (Loss) to Common Shareholders
  
$
34
    
$
(17,663
)
Net Income (Loss) - basic and diluted
  
$
-
    
$
(1.33
)

The accompanying notes are an integral part of these consolidated financial statements.
59
ROYAL BANCSHARES OF PENNSYLVANIA, INC. AND SUBSIDIARIES
Statements of Consolidated Comprehensive Loss

 
  
For the years ended December 31,
  
 
  
2013
    
2012
  
(In thousands)
  
   
 
Net income (loss)
  
$
1,531
    
$
(16,630
)
Other comprehensive loss, net of tax
                
Unrealized losses on investment securities:
                
Unrealized holding losses arising during period
     (6,719
)
    
(1,038
)
Less adjustment for impaired investments1
    
-
      
(1,557
)
Less reclassification adjustment for gains realized in net income (loss)2
    
104
      
680
  
Unrealized losses on investment securities
     (6,823
)
    
(161
)
Unrecognized benefit obligation expense:
                
Actuarial gain (loss)
     627      
(1,092
)
Less reclassification adjustment for amortization3
    
(216
)
    
(311
)
Other comprehensive loss
     (5,980
)
    
(942
)
Comprehensive loss
     (4,449
)
    
(17,572
)
Less net loss attributable to noncontrolling interest
    
(578
)
    
(1,005
)
Comprehensive loss attributable to Royal Bancshares of Pennsylvania, Inc.
  
$
 (3,871
)
  
$
(16,567
)
 
1Amounts are included in total other-than-temporary impairment on investment securities on the Consolidated Statements of Operations in total noninterest income.
2Amounts are included in net gains on the sale of available for sale investment securities on the Consolidated Statements of Operations in total noninterest income.
3 Amounts are included in salaries and benefits on the Consolidated Statements of Operations in noninterest expense.

The accompanying notes are an integral part of these consolidated financial statements.
60
ROYAL BANCSHARES OF PENNSYLVANIA, INC. AND SUBSIDIARIES
Consolidated Statements of Changes in Shareholders’ Equity

 
  
Preferred stock
    
Class A common stock
    
Class B common stock
    
Additional
paid in
    
Accumulated
    
Accumulated other comprehensive
    
Treasury
    
Noncontrolling
    
Total Shareholders'
  
(In thousands)
  
Series A
    
Shares
    
Amount
    
Shares
    
Amount
    
capital
    
deficit
    
income (loss)
    
stock
    
Interest
    
Equity
  
Balance January 1, 2012
  
$
28,878
      
11,362
    
$
22,723
      
2,081
    
$
208
    
$
126,245
    
$
 (105,600
)
  
$
800
    
$
(6,971
)
  
$
4,815
    
$
71,098
  
Comprehensive loss
                                                                                        
Net loss
                                                    
(15,625
)
                    
(1,005
)
    
(16,630
)
Other comprehensive loss, net of reclassifications and taxes
                                                            
(942
)
                    
(942
)
Common stock conversion from Class B to Class A
            
70
      
140
      
(61
)
    
(6
)
            
(134
)
                            
-
  
Accretion of discount on preferred stock
    
518
                                              
(518
)
                            
-
  
Stock option expense
                                            
42
                                      
42
  
Balance December 31, 2012
  
$
29,396
      
11,432
    
$
22,863
      
2,020
    
$
202
    
$
126,287
    
$
 (121,877
)
  
$
(142
)
  
$
(6,971
)
  
$
3,810
    
$
 53,568  
Comprehensive loss
                                                                                        
Net income (loss)
                                                    
2,109
                       (578
)
     1,531  
Other comprehensive loss, net of reclassifications and taxes
                                                             (5,980
)
                     (5,980
)
Purchase of subsidiary shares from noncontrolling interest
                                            
1,559
                              
(2,409
)
    
(850
)
Distributions to noncontrolling interests
                                                                             (552
)
     (552
)
Common stock conversion from Class B to Class A
            
38
      
77
      
(33
)
    
(3
)
            
(74
)
                            
-
  
Accretion of discount on preferred stock
    
554
                                              
(554
)
                            
-
  
Treasury shares issued for compensation
                                            
(569
)
                    
635
              
66
  
Stock option expense
                                            
22
                                      
22
  
Balance December 31, 2013
  
$
29,950
      
11,470
    
$
22,940
      
1,987
    
$
199
    
$
127,299
    
$
 (120,396
)
  
$
 (6,122
)
  
$
(6,336
)
  
$
271
    
$
 47,805  

The accompanying notes are an integral part of these consolidated financial statements.
61
ROYAL BANCSHARES OF PENNSYLVANIA, INC. AND SUBSIDIARIES
Consolidated Statements of Cash Flows

 
  
For the years ended December 31,
  
(In thousands)
  
2013
    
2012
  
Cash flows from operating activities
  
   
 
Net income (loss)
  
$
2,109
    
$
(15,625
)
Adjustments to reconcile net loss to net cash provided by operating activities:
                
Depreciation and amortization
    
451
      
417
  
Stock compensation expense
    
22
      
42
  
Net amortization of investment securities
    
4,183
      
6,423
  
Net accretion on loans
    
(382
)
    
(241
)
Impairment of AFS investment securities
    
-
      
2,359
  
Net gains on sales of AFS investment securities
    
(158
)
    
(1,030
)
(Credit) provision for loan and lease losses
    
(872
)
    
5,997
  
Impairment charge on loans held for sale
    
153
      
2,002
  
Proceeds from sales of loans and leases
    
3,919
      
11,052
  
Gains on sales of loans and leases
    
(686
)
    
(2,057
)
Impairment charge for other real estate owned
    
1,517
      
6,741
  
Net gains on sales of other real estate
    
(1,427
)
    
(363
)
Gains on sales of premises and equipment
    
(2,524
)
    
-
  
Income from equity investments
    
-
      
(75
)
Income from bank owned life insurance
    
(539
)
    
(553
)
Changes in assets and liabilities:
                
Decrease in accrued interest receivable
    
3,202
      
5,207
  
Decrease in other assets
     1,502      
3,121
  
(Decrease) increase in accrued interest payable
    
(2,795
)
    
310
  
(Decrease) increase in other liabilities
    
(2,238
)
    
3,154
  
Net cash provided by operating activities
     5,437      
26,881
  
Cash flows from investing activities
                
Proceeds from maturities, calls and paydowns of AFS investment securities
    
94,676
      
148,112
  
Proceeds from sales of AFS investment securities
    
31,046
      
28,246
  
Purchase of AFS investment securities
    
(99,720
)
    
(205,265
)
Net redemption of Federal Home Loan Bank stock
    
1,807
      
2,463
  
Net (increase) decrease in loans
     (34,408
)
    
52,691
  
Proceeds from sales of real estate owned
    
12,779
      
12,014
  
Proceeds from sale of premises and equipment
    
3,267
      
-
  
Purchase of premises and equipment
    
(437
)
    
(255
)
Distribution from investments in real estate
    
-
      
75
  
Net cash provided by investing activities
     9,010      
38,081
  

62
ROYAL BANCSHARES OF PENNSYLVANIA, INC. AND SUBSIDIARIES
Consolidated Statements of Cash Flows (continued)

 
  
For the years ended December 31,
  
 
  
2013
    
2012
  
Cash flows from financing activities:
  
   
 
Increase (decrease) in demand and NOW accounts
    
3,397
      
4,745
  
(Decrease) increase in money market and savings accounts
    
(14,560
)
    
(2,262
)
Decrease in certificates of deposit
    
(14,790
)
    
(23,482
)
Change in short-term borrowings
    
10,000
      
(54,218
)
Repayments of long-term borrowings
    
(50,452
)
    
(449
)
Proceeds from long-term borrowings
    
40,000
      
15,000
  
Net cash used in financing activities
    
(26,405
)
    
(60,666
)
Net increase (decrease) in cash and cash equivalents
    
(11,958
)
    
4,296
  
Cash and cash equivalents at beginning of period
    
28,802
      
24,506
  
Cash and cash equivalents at end of period
  
$
16,844
    
$
28,802
  
Supplemental Disclosure
                
Interest
  
$
10,152
    
$
9,589
  
Income taxes
  
$
-
    
$
-
  
Transfers to other real estate owned
  
$
 9,051    
$
10,811
  

The accompanying notes are an integral part of these consolidated financial statements.
63
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS


NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

1.  Basis of Financial Statement Presentation

Nature of Operations

Royal Bancshares of Pennsylvania, Inc. (the “Company”), through its wholly-owned subsidiary Royal Bank America (“Royal Bank”) offers a full range of banking services to individual and corporate customers primarily located in the Mid-Atlantic states.  Royal Bank competes with other banking and financial institutions in certain markets, including financial institutions with resources substantially greater than its own.  Commercial banks, savings banks, savings and loan associations, credit unions and brokerage firms actively compete for savings and time deposits and for various types of loans.  Such institutions, as well as consumer finance and insurance companies, may be considered competitors of Royal Bank with respect to one or more of the services it renders.

Principles of Consolidation

The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries, Royal Investments of Delaware, Inc., Royal Captive Insurance Company, Royal Preferred, LLC, and Royal Bank, including Royal Bank’s subsidiaries, Royal Real Estate of Pennsylvania, Inc., Royal Investment America, LLC, RBA Property LLC, Narberth Property Acquisition LLC, and Rio Marina LLC. In addition, Royal Bank has a 60% ownership interest in Royal Bank America Leasing, LP.  Royal Bank had a 60% ownership interest in Crusader Servicing Corporation (“CSC”) and Royal Tax Lien Services, LLC (“RTL”).  Effective December 31, 2013, Royal Bank agreed to a $1.25 million cash settlement with the former President of CSC and RTL, in which Royal Bank acquired his 40% ownership interest in RTL for $850,000.  The former President also relinquished his 20% ownership interest in CSC to Royal Bank. The combined value of the ownership interests was $2.6 million.  The settlement resulted in a $1.5 million gain for Royal Bank which was recorded as an increase to Additional Paid in Capital within Stockholders Equity.  As part of the cash settlement Royal Bank agreed to pay $400,000 for prior tax distributions. Additionally, the settlement agreement also includes a possible tax payment upon completion of the 2013 Forms K-1.  Effective, December 31, 2013, Royal Bank is an 80% owner of CSC and 100% owner of RTL. The two Delaware trusts, Royal Bancshares Capital Trust I and Royal Bancshares Capital Trust II are not consolidated per requirements under Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 810, “Consolidation” (“ASC Topic 810”). These consolidated financial statements reflect the historical information of the Company. All significant intercompany transactions and balances have been eliminated.

Use of Estimates

In preparing the consolidated financial statements in accordance with United States generally accepted accounting principles (“U.S. GAAP”), management is required to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and the accompanying notes. These estimates and assumptions are based on information available as of the date of the consolidated financial statements; therefore, actual results could differ from those estimates.

The principal estimates that are particularly susceptible to significant change in the near term relate to the allowance for loan and lease losses, loans held for sale, the valuation of other real estate owned, the valuation of deferred tax assets, other-than-temporary impairment losses on investment securities, net periodic pension costs and the pension benefit obligation.   In connection with the allowance for loan and lease losses estimate, management obtains independent appraisals for real estate collateral.  However, future changes in real estate market conditions and the economy could affect the Company’s allowance for loan and lease losses.  In addition, regulatory agencies, as an integral part of their examination process, periodically review the credit portfolio and the allowance. Such review may result in additional provisions based on their judgment of information available at the time of each examination.
64
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES – Continued

Significant Concentration of Credit Risk

Credit risk is one of the Company’s most significant risks. It is critical for consistent profitability that the Company effectively manages credit risk. Most of the Company’s activities are with customers located within the Mid-Atlantic region of the country.  “Note 3 – Investment Securities” to the Consolidated Financial Statements discusses the types of securities in which the Company invests.  “Note 4 – Loans and Leases” to the Consolidated Financial Statements discusses the types of lending in which the Company engages.  The Company does not have any portion of its business dependent on a single or limited number of customers, the loss of which would have a material adverse effect on its business.  The Company has 92% of its investment portfolio in securities issued by government sponsored entities.  The Company’s tax lien portfolio has a geographic concentration in the State of New Jersey.

No substantial portion of loans is concentrated within a single industry or group of related industries, except a significant majority of loans are secured by real estate.  There are numerous risks associated with commercial and consumer lending that could impact the borrower’s ability to repay on a timely basis.  They include, but are not limited to: the owner’s business expertise, changes in local, national, and in some cases international economies, competition, governmental regulation, and the general financial stability of the borrowing entity. Over the last few years, the Company had been impacted by deterioration in economic conditions as it pertains to real estate loans.  The Company’s commercial real estate, commercial and construction and development loans comprised 40%, 22% and 12%, respectively, of the loan portfolio.

The Company attempts to mitigate these risks through conservative underwriting policies and procedures which include an analysis of the borrower’s business and industry history, its financial position, as well as that of the business owner.  The Company will also require the borrower to provide current financial information on the operation of the business periodically over the life of the loan.  In addition, most commercial loans are secured by assets of the business or those of the business owner, which can be liquidated if the borrower defaults, along with the personal surety of the business owner.

U.S. GAAP RAP Difference

In connection with a prior bank regulatory examination, the Federal Deposit Insurance Company (“FDIC”) concluded, based upon its interpretation of the Consolidated Reports of Condition and Income (the “Call Report”) instructions and under regulatory accounting principles (“RAP”), that income from Royal Bank’s tax lien business should be recognized on a cash basis, not an accrual basis.  Royal Bank’s current accrual method is in accordance with U.S. GAAP.  Royal Bank disagrees with the FDIC’s conclusion and filed the Call Report for December 31, 2013 and the previous 13 quarters in accordance with U.S. GAAP.  However, the change in the manner of revenue recognition for the tax lien business for regulatory accounting purposes affects Royal Bank’s and potentially the Company’s capital ratios as disclosed in “Note 2 - Regulatory Matters and Significant Risks And Uncertainties” and “Note 15 - Regulatory Capital Requirements” to the Consolidated Financial Statements.  The resolution of this matter will be decided by additional joint regulatory agency guidance which includes the Federal Reserve Bank, the FDIC, and the office of the Controller of the Currency ("OCC").
 
Reclassifications

Certain items in the 2012 consolidated financial statements and accompanying notes have been reclassified to conform to the current year’s presentation format.  There was no effect on net income or net loss for the periods presented herein as a result of the reclassification.
65
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES – Continued

Restatement

In the fourth quarter of 2013, the Company recorded an error correction in previously issued financial statements related to net income tax receivables.  The tax receivables were related to amended tax returns for 2005 through 2007, in which the Company carried back losses from 2008 through 2009.  These amended returns were filed during the time period 2008 through 2011. In the fourth quarter of 2013, after an IRS joint committee concluded their review of the amended returns, management determined that the tax receivables would not be realized. The Company recorded a cumulative effect adjustment of $4.8 million to accumulated deficit, a component of the consolidated statement of changes in shareholders' equity, as of January 1, 2012 with the offsetting adjustment recorded to other assets and other liabilities.  There was no effect on net income, net loss, or earnings or loss per basic and diluted shares for the periods presented herein as a result of the restatement.  Below are the consolidated balance sheets and changes in shareholder equity statements that show the previously issued financial statement, the error correction, and the restated balances.
66
NOTES TO CONSOLIDATED FINANCIAL STATEMENT
 
NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES – Continued
 
Royal Bancshares of Pennsylvania, Inc and Subsidiaries
Restatement of the Consolidated Balance Sheet
 
At December 31, 2012
  
As
Originally
Reported
    
Adjustment
     As Restated  
 
  
(In thousands)
  
Assets
  
   
   
 
Total cash and cash equivalents
  
$
28,802
    
$
-
    
$
28,802
  
Investment securities AFS, at fair value
    
349,203
      
-
      
349,203
  
Other investment, at cost
    
2,250
      
-
      
2,250
  
FHLB stock, at cost
    
6,011
      
-
      
6,011
  
Loans and leases held for sale
    
1,572
      
-
      
1,572
  
Loans and leases, net
    
326,904
      
-
      
326,904
  
Bank owned life insurance
    
14,585
      
-
      
14,585
  
Accrued interest receivable
    
10,256
      
-
      
10,256
  
OREO, net
    
13,435
      
-
      
13,435
  
Premises and equipment, net
    
5,232
      
-
      
5,232
  
Other assets
    
15,466
      
(4,261
)
    
11,205
  
Total assets
  
$
773,716
    
$
(4,261
)
  
$
769,455
  
Liabilities
                        
Total deposits
  
$
554,917
    
$
-
    
$
554,917
  
Long-term borrowings
    
108,333
      
-
      
108,333
  
Subordinated debentures
    
25,774
      
-
      
25,774
  
Accrued interest payable
    
3,760
      
-
      
3,760
  
Other liabilities
    
22,517
      
586
      
23,103
  
Total liabilities
    
715,301
      
586
      
715,887
  
 
                        
Shareholders' equity
                        
Preferred stock
    
29,396
      
-
      
29,396
  
Common stock
    
23,065
      
-
      
23,065
  
Additional paid in capital
    
126,287
      
-
      
126,287
  
Accumulated deficit
    
(117,080
)
    
(4,797
)
    
(121,877
)
Accumulated other comprehensive loss
    
(142
)
    
-
      
(142
)
Treasury stock
    
(6,971
)
    
-
      
(6,971
)
Noncontrolling interest
    
3,860
      
(50
)
    
3,810
  
Shareholders' equity
    
58,415
      
(4,847
)
    
53,568
  
Total liabilities and shareholders' equity
  
$
773,716
    
$
(4,261
)
  
$
769,455
  
67
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 
NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES – Continued

Royal Bancshares of Pennsylvania, Inc and Subsidiaries
Restatement of Consolidated Statement of Changes in Shareholders' Equity

At January 1, 2012
  
As
Originally
Reported
    
Adjustment
     As Restated  
 
  
(In thousands)
  
 
  
   
   
 
Preferred stock
  
$
28,878
    
$
-
    
$
28,878
  
Class A common stock
    
22,723
      
-
      
22,723
  
Class B common stock
    
208
      
-
      
208
  
Additional paid in capital
    
126,245
      
-
      
126,245
  
Accumulated deficit
    
(100,803
)
    
(4,797
)
    
(105,600
)
Accumulated other comprehensive income
    
800
      
-
      
800
  
Treasury stock
    
(6,971
)
    
-
      
(6,971
)
Noncontrolling interest
    
4,865
      
(50
)
    
4,815
  
Total shareholders' equity
  
$
75,945
    
$
(4,847
)
  
$
71,098
  

Cash and Cash Equivalents

For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, interest-bearing deposits and federal funds sold.  Generally, federal funds are purchased and sold for one-day periods.

Investment Securities

Management determines the appropriate classification of debt securities at the time of purchase and re-evaluates such designation as of each balance sheet date. Investments in debt securities that the Company has the positive intent and ability to hold to maturity are classified as held to maturity securities and reported at amortized cost.  Debt and equity securities that are bought and held principally for the purpose of selling them in the near term are classified as trading securities and reported at fair value, with unrealized holding gains and losses included in earnings.  Debt and equity securities not classified as trading securities, nor as held to maturity securities are classified as available for sale securities and reported at fair value, with unrealized holding gains or losses, net of deferred income taxes (when applicable), reported in the accumulated other comprehensive income component of shareholders’ equity.  The Company did not hold trading securities nor had securities classified as held to maturity at December 31, 2013 and 2012.  Discounts and premiums are accreted/amortized to income by use of the level-yield method.  Gain or loss on sales of securities available for sale is based on the specific identification method.

The Company evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis.  The Company assesses whether OTTI is present when the fair value of a security is less than its amortized cost.  All investment securities are evaluated for OTTI under FASB ASC Topic 320, “Investments-Debt & Equity Securities” (“ASC Topic 320”).  Non-agency collateralized mortgage obligations that are rated below AA are evaluated under FASB ASC Topic 320 Subtopic 40, “Beneficial Interests in Securitized Financial Assets” or under FASB ASC Topic 325, “Investments-Other” when applicable.  In determining whether OTTI exists, management considers numerous factors, including but not limited to: (1) the length of time and the extent to which the fair value is less than the amortized cost, (2) the Company’s intent to hold or sell the security, (3) the financial condition and results of the issuer including changes in capital, (4) the credit rating of the issuer, (5) analysts’ earnings estimate, (6) industry trends specific to the security, and (7) timing of debt maturity and status of debt payments.
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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES – Continued

Under ASC Topic 320, OTTI is considered to have occurred with respect to debt securities (1) if an entity intends to sell the security; (2) if it is more likely than not an entity will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of the expected cash flows is not sufficient to recover the entire amortized cost basis.  In addition, the amount of the OTTI recognized in earnings depends on whether an entity intends to sell or will more likely than not be required to sell the security.  If an entity intends to sell the security or will be required to sell the security, the OTTI shall be recognized in earnings equal to the entire difference between the fair value and the amortized cost basis at the balance sheet date.  If an entity does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before the recovery of its amortized cost basis, the OTTI shall be separated into two amounts, the credit-related loss and the noncredit-related loss. The credit-related loss is based on the present value of the expected cash flows and is recognized in earnings.  The noncredit-related loss is based on other factors such as illiquidity and is recognized in other comprehensive income.

Other Investment

This investment includes the Solomon Hess SBA Loan Fund, which the Company invested in to partially satisfy its community reinvestment requirement.  Shares in this fund are not publicly traded and therefore have no readily determinable fair market value.  An investor can have their investment in the Fund redeemed for the balance of their capital account at any quarter end with a 60-day notice to the Fund.  The investment in this Fund is recorded at cost.

Federal Home Loan Bank Stock

As a member of the Federal Home Loan Bank of Pittsburgh (“FHLB”), the Company is required to purchase and hold stock in the FHLB to satisfy membership and borrowing requirements.  The stock can only be sold to the FHLB or to another member institution, and all sales of FHLB stock must be at par. As a result of these restrictions, there is no active market for the FHLB stock. As of December 31, 2013 and 2012, FHLB stock totaled $4.2 million and $6.0 million, respectively.

FHLB stock is held as a long-term investment and its value is determined based on the ultimate recoverability of the par value. The Company evaluates impairment quarterly. The decision of whether impairment exists is a matter of judgment that reflects management’s view of the FHLB’s long-term performance, which includes factors such as the following: (1) its operating performance, (2) the severity and duration of declines in the fair value of its net assets related to its capital stock amount, (3) its liquidity position, and (4) the impact of legislative and regulatory changes on the FHLB.  Based on the capital adequacy and the liquidity position of the FHLB, management believes that the par value of its investment in FHLB stock will be realized.  Accordingly, there is no other-than-temporary impairment related to the carrying amount of the Company’s FHLB stock as of December 31, 2013.

Loans Held for Sale

At December 31, 2013, the Company’s loans held for sale (“LHFS”) were comprised of three loans totaling $1.4 million.  The loans were transferred from loans held for investment (“LHFI”) to LHFS at fair market value using expected net sales proceeds.  At the time of transfer to LHFS, a gain of $429,000 was recorded in non-interest income. Generally any subsequent credit losses on LHFS are recorded as a component of non-interest expense. At December 31, 2012, LHFS were comprised of one $1.6 million non-accrual commercial real estate loan.
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NOTES TO CONSOLIDATED FINANCIAL STATEMENT
 
NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES – Continued

Loans and Leases

Loans and leases are classified as LHFI when management has the intent and ability to hold the loan or lease for the foreseeable future or until maturity or payoff.  LHFI are stated at their outstanding unpaid principal balances, net of an allowance for loan and leases losses and any deferred fees or costs. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the yield (interest income) of the related loans. The Company is generally amortizing these amounts over the contractual life of the loan.  The Company’s commercial and real estate loans, including construction and land development loans, are primarily in the greater Philadelphia metropolitan area as well as selected locations throughout the mid-Atlantic region.  The Company also has participated with other financial institutions in selected construction and land development loans outside our geographic area. The Company has a concentration of credit risk in commercial real estate and construction and land development loans at December 31, 2013.

The Company classifies its leases as finance leases, in accordance with FASB ASC Topic 840, “Leases”. The difference between the Company’s gross investment in the lease and the cost or carrying amount of the leased property, if different, is recorded as unearned income, which is amortized to income over the lease term by the interest method.

For all classes of loans receivable, with the exception of tax certificates, the accrual of interest is discontinued on a loan when management believes that the borrower’s financial condition is such that collection of principal and interest is doubtful or when a loan becomes 90 days past due. When a loan is placed on non-accrual all unpaid interest is reversed from interest income. Interest payments received on impaired nonaccrual loans are normally applied against principal. Excess proceeds received over the principal amounts due on impaired loans are recognized as income on a cash basis.  Generally, loans are restored to accrual status when the loan is brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally six months) and the ultimate collectibility of the total contractual principal and interest is no longer in doubt.  The past due status of all classes of loans receivable is determined based on contractual due dates for loan payments.  Tax certificates have no contractual maturity.  Collection is dependent upon the tax payer’s redemption of the lien, which includes principal interest and fees.

A loan modification is deemed a troubled debt restructuring (“TDR”) when two conditions are met: 1) the borrower is experiencing financial difficulty and 2) a concession is made by the Company that would not otherwise be considered for a borrower with similar credit risk characteristics.  If in modifying a loan the Company, for economic or legal reasons related to a borrower’s financial difficulties, grants a concession it would not normally consider then the loan modification is classified as a TDR. All loans classified as TDRs are considered to be impaired.  TDRs are returned to an accrual status when the loan is brought current, has performed in accordance with the contractual restructured terms for a reasonable period of time (generally six months) and the ultimate collectibility of the total contractual restructured principal and interest is no longer in doubt.  The Company’s policy for TDRs is to recognize interest income on currently performing restructured loans under the accrual method.

The Company accounts for guarantees in accordance with FASB ASC Topic 460 “Guarantees” (“ASC Topic 460”).  ASC Topic 460 requires a guarantor entity, at the inception of a guarantee covered by the measurement provisions of the interpretation, to record a liability for the fair value of the obligation undertaken in issuing the guarantee.  The Company has financial and performance letters of credit.  Financial letters of credit require the Company to make a payment if the customer’s condition deteriorates, as defined in agreements.  Performance letters of credits require the Company to make payments if the customer fails to perform certain non-financial contractual obligations.
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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES – Continued

Allowance for Loan and Lease Losses

The Company’s loan and lease portfolio (the “credit portfolio”) is subject to varying degrees of credit risk. The Company maintains an allowance for loan and lease losses (the “allowance”) to absorb losses in the loan and lease portfolio. The allowance is based on the review and evaluation of the loan and lease portfolio, along with ongoing, quarterly assessments of the probable losses inherent in that portfolio. The allowance represents an estimation made pursuant to FASB ASC Topic 450, “Contingencies” (“ASC Topic 450”) or FASB ASC Topic 310, “Receivables” (“ASC Topic 310”).  The adequacy of the allowance is determined through evaluation of the credit portfolio, and involves consideration of a number of factors, as outlined below, to establish a prudent level.

Determination of the allowance is inherently subjective and requires significant estimates, including estimated losses on pools of homogeneous loans and leases based on historical loss experience and consideration of current economic trends, which may be susceptible to significant change. Loans and leases deemed uncollectible are charged against the allowance, while recoveries are credited to the allowance. Management adjusts the level of the allowance through the provision for loan and lease losses, which is recorded as a current period expense. The Company’s systematic methodology for assessing the appropriateness of the allowance includes: (1) general reserves reflecting historical loss rates by loan type, (2) specific reserves for risk-rated credits based on probable losses on an individual or portfolio basis and (3) qualitative reserves based upon current economic conditions and other risk factors.

The loan portfolio is stratified into loan segments that have similar risk characteristics. The general allowance is based upon historical loss rates using a three-year rolling average of the historical loss experienced within each loan segment.  The qualitative factors used to adjust the historical loss experience address various risk characteristics of the Company’s loan and lease portfolio include evaluating: (1) trends in delinquencies and other non-performing loans, (2) changes in the risk profile related to large loans in the portfolio, (3) changes in the growth trends of categories of loans comprising the loan and lease portfolio, (4) concentrations of loans and leases to specific industry segments, (5) changes in economic conditions on both a local and national level, (6) quality of loan review and board oversight, (7) changes in lending policies and procedures, and (8) changes in lending staff. Each factor is assigned a value to reflect improving, stable or declining conditions based on management’s best judgment using relevant information available at the time of the evaluation. Adjustments to the factors are supported through documentation of changes in conditions in a report accompanying the allowance calculation.

The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower’s overall financial condition, repayment sources, guarantors and value of collateral, if appropriate, are evaluated annually for commercial loans or when credit deficiencies arise, such as delinquent loan payments, for commercial and consumer loans.  Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful and loss.  Loans classified as special mention have potential weaknesses that deserve management’s close attention.  If uncorrected, the potential weaknesses may result in deterioration of the repayment prospects.  Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  They include loans that are inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any.  Loans classified as doubtful have all the weaknesses inherent in loans classified substandard with the added characteristic that collection or liquidation in full, on the basis of current conditions and facts, is highly improbable.   Loans classified as a loss are considered uncollectible and are charged to the allowance for loan losses.  Loans not classified are rated pass.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES – Continued

The specific reserves are determined utilizing standards required under ASC Topic 310.  A loan is considered impaired when it is probable that interest and principal will not be collected according to the contractual terms of the loan agreement. Non-accrual loans and loans restructured under a TDR are evaluated for impairment on an individual basis considering all known relevant factors that may affect loan collectability such as the borrower’s overall financial condition, resources and payment record, support available from financial guarantors and the sufficiency of current collateral values (current appraisals or rent rolls for income producing properties), and risks inherent in different kinds of lending (such as source of repayment, quality of borrower and concentration of credit quality). Non-accrual loans that experience insignificant payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed.

Impairment is measured on a loan by loan basis for commercial and industrial loans, commercial real estate loans and commercial construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral if the loan is collateral dependent.  The estimated fair values of substantially all of the Company’s impaired loans are measured based on the estimated fair value of the loan’s collateral. The Company obtains third-party appraisals or real estate brokers’ opinions (“BPOs”) to establish the fair value of real estate collateral.  Appraised values or BPOs are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value. The discounts also include estimated costs to sell the property. For commercial and industrial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower’s financial statements, inventory reports, accounts receivable aging or equipment appraisals or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. A specific reserve is established for an impaired loan for the amount that the carrying value exceeds its estimated fair value. Once a loan is determined to be impaired it will be deducted from the portfolio balance and the net remaining balance will be used in the general and qualitative analysis.

Based on management’s comprehensive analysis of the loan and lease portfolio, management believes the current level of the allowance is adequate at December 31, 2013.   However, its determination requires significant judgment, and estimates of probable losses inherent in the credit portfolio can vary significantly from the amounts actually observed. While management uses available information to recognize probable losses, future changes to the allowance may be necessary.  These changes could be based in the credits comprising the portfolio and changes in the financial condition of borrowers, as the result of changes in economic conditions. In addition, regulatory agencies, as an integral part of their examination process, periodically review the credit portfolio and the allowance. Such review may result in additional provisions based on their judgment of information available at the time of each examination, which may not be currently available to management.

Other Real Estate Owned

Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less costs to sell at the date of foreclosure, establishing a new cost basis.  Foreclosed real estate properties acquired through the tax certificate portfolio are transferred at the lower of cost or fair value principally due to uncertainty around the fair value of the foreclosed properties.  Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount recorded at acquisition date or fair value less costs to sell.  Third-party appraisals or agreements of sale are utilized to determine fair value the loan collateral while BPOs, agreements of sale, or in some cases, third-party appraisals are utilized to value properties from the tax certificate portfolio.  Revenue and expenses from operations and changes in the valuation allowance are included in other expenses.  For fair value measurement, OREO is included in level 3 assets.
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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES – Continued

Premises and Equipment

Land is carried at cost.  Premises and equipment are stated at cost less accumulated depreciation, which is computed primarily using the modified accelerated cost recovery system (“MACRS”) over the estimated useful lives of the assets.  Leasehold improvements are depreciated over the shorter of the estimated useful lives of the improvements or the terms of the related leases.  Expected term includes lease options periods to the extent that the exercise of such options is reasonably assured.

Bank-Owned Life Insurance

Royal Bank has purchased life insurance policies on certain executives.  These policies are reflected on the consolidated balance sheets at their cash surrender value, or the amount that can be realized.  Income from these policies and changes in the cash surrender value are recorded in other income.

Advertising Costs

Advertising costs are expensed as incurred.  The Company’s advertising costs were $209,000 and $127,000 for 2013 and 2012, respectively.

Benefit Plans

The Company has a noncontributory nonqualified, defined benefit pension plan covering certain eligible employees.  The plan provides retirement benefits under pension trust agreements.  The benefits are based on years of service and the employee’s compensation during the highest three consecutive years during the last 10 years of employment.  Net pension expense consists of service costs and interest costs.  The Company accrues pension costs as incurred.

The Company has a capital accumulation and salary reduction plan under Section 401(k) of the Internal Revenue Code of 1986, as amended.  Under the plan, all employees are eligible to contribute up to the maximum allowed by Internal Revenue Service (“IRS”) regulation, with the Company matching 100% of any contribution between 1% and 5% subject to a $2,500 per employee annual limit.  During 2013 and 2012, no matching contribution was made as a result of a management decision to reduce costs.

Stock Compensation

FASB ASC Topic 718, “Compensation-Stock Compensation” (“ASC Topic 718”) requires that the compensation cost relating to share-based payment transactions be recognized in consolidated financial statements.  The costs are measured based on the fair value of the equity or liability instruments issued.  ASC Topic 718 covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights, and employee share purchase plans.  The effect of ASC Topic 718 is to require entities to measure the cost of employee services received in exchange for stock options based on the grant-date fair value of the award, and to recognize the cost over the period the employee is required to provide services for the award.  ASC Topic 718 permits entities to use any option-pricing model that meets the fair value objective in the Statement.  The Company recorded compensation expense relating to stock options and restricted stock of $22,000 and $42,000 during 2013 and 2012, respectively.

At December 31, 2013, the Company had a director stock-based plan, an employee stock-based plan, and a long-term incentive compensation plan, which are more fully described in “Note 17 – Stock Compensation Plans” to the Consolidated Financial Statements.
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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES – Continued

Trust Preferred Securities

Royal Bancshares Capital Trust I/II (“Trusts”) issued mandatory redeemable preferred stock to investors and loaned the proceeds to the Company.  The Trusts hold, as their sole asset, subordinated debentures issued by the Company in 2004.  The Company does not consolidate the Trusts as ASC Topic 810 precludes consideration of the call option embedded in the preferred stock when determining if the Company has the right to a majority of the Trusts expected returns.  The non-consolidation results in the investment in common stock of the Trusts to be included in other assets with a corresponding increase in outstanding debt of $774,000.  In addition, the income accrued on the Company’s common stock investments is included in other income.  Refer to “Note 10 – Borrowings and Subordinated Debentures” to the Consolidated Financial Statements for more information.

Income Taxes

The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC Topic 740, Income Taxes), which includes guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions. The Company had no material unrecognized tax benefits or accrued interest and penalties as of December 31, 2013 and 2012.  The Company’s policy is to account for interest as a component of interest expense and penalties as a component of other expense.

The Company and its subsidiaries file a consolidated federal income tax return.  Income taxes are allocated to the Company and its subsidiaries based on the contribution of their income or use of their loss in the consolidated return.  Separate state income tax returns are filed by the Company and its subsidiaries. The Company is subject to examination by taxing authorities for the years 2006, 2007 and 2009 through 2013.

Federal and state income taxes have been provided on the basis of reported income or loss.  The amounts reflected on the tax returns differ from these provisions due principally to temporary differences in the reporting of certain items for financial reporting and income tax reporting purposes. The tax effect of these temporary differences is accounted for as deferred taxes applicable to future periods. Deferred income tax expense or benefit is determined by recognizing deferred tax assets and liabilities for the estimated future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled.  The effect on deferred assets and liabilities of a change in tax rates is recognized in earnings in the period that includes the enactment date.  The realization of deferred tax assets is assessed and a valuation allowance provided for the full amount which is not more likely than not to be realized.

Treasury Stock

Shares of common stock repurchased are recorded as treasury stock at cost.

Earnings (Losses) Per Share Information

Basic per share data excludes dilution and is computed by dividing income (loss) available to common shareholders by the weighted average common shares outstanding during the period.  Diluted per share data takes into account the potential dilution that could occur if securities or other contracts to issue common stock were exercised and converted into common stock, using the treasury stock method.

The Class B shares of the Company may be converted to Class A shares at the rate of 1.15 to 1.
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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES – Continued

Comprehensive Income (Loss)

The Company reports comprehensive income (loss) in accordance with FASB ASC Topic 220, “Comprehensive Income” (“ASC Topic 220”), which requires the reporting of all changes in equity during the reporting period except investments from and distributions to shareholders.  Net income (loss) is a component of comprehensive income (loss) with all other components referred to in the aggregate as other comprehensive income (loss).  Comprehensive income (loss) consists of net income (loss) and other comprehensive income (loss).  Other comprehensive income (loss) includes unrealized gains and losses on available for sale investment securities, non-credit related losses on other-than-temporarily impaired investment securities, and adjustment to net periodic pension cost.

Fair Value of Financial Instruments

For information on the fair value of the Company’s financial instruments refer to “Note 20 - Fair Value of Financial Instruments” to the Consolidated Financial Statements.

Restrictions on Cash and Amounts Due From Banks

Royal Bank is required to maintain average balances on hand with the Federal Reserve Bank.  At December 31, 2013 and 2012, these reserve balances amounted to $100,000.

2. Recent Accounting Pronouncements

In December 2011, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2011-11, Balance Sheet (Topic 210): Disclosures about Offsetting Assets and Liabilities (“ASU 2011-11”).  Because of the significant differences in requirements under U.S. GAAP and IFRS, FASB and the International Accounting Standards Board (“IASB”) are issuing joint requirements that will enhance current disclosures. Entities are required to disclose both gross information and net information about both instruments and transactions eligible for offset in the statement of financial position and instruments and transactions subject to an agreement similar to a master netting arrangement. This scope would include derivatives, sale and repurchase agreements and reverse sale and repurchase agreements, and securities borrowing and securities lending arrangements. The objective of this disclosure is to facilitate comparison between those entities that prepare their financial statements on the basis of U.S. GAAP and those entities that prepare their financial statements on the basis of IFRS. ASU 2011-11 is effective for annual periods beginning on or after January 1, 2013 and interim periods within those annual periods. An entity should provide the disclosures required by these amendments retrospectively for all comparative periods presented. The adoption of ASU 2011-11 did not have a significant impact on the Company’s consolidated financial statements.

In February 2013, the FASB issued ASU No. 2013-02, Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income (“ASU 2013-02”) to improve the reporting of reclassifications out of accumulated comprehensive income. ASU 2013-02 does not change the current requirements for reporting net income or other comprehensive income in financial statements. However, ASU 2013-02 requires an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income but only if the amount reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income, an entity is required to cross-reference to other disclosures required under U.S. GAAP that provide additional detail about those amounts. ASU 2013-02 is effective for reporting periods beginning after December 15, 2012. The adoption of ASU 2013-02 did not have a significant impact on the Company’s consolidated financial statements.
75
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES – Continued

In February 2013, the FASB issued ASU No. 2013-04, Liabilities (Topic 405): Obligations Resulting from Joint and Several Liability Arrangements for Which the Total Amount of the Obligation Is Fixed at the Reporting Date (ASU 2013-04).  ASU 2013-04 provides guidance for the recognition, measurement and disclosure of obligations resulting from joint and several liability arrangements.  ASU 2013-04 requires an entity to measure obligations resulting from joint and several liability arrangements for which the total amount of the obligation within the scope of this guidance is fixed at the reporting date, as the sum of the following:


a. The amount the reporting entity agreed to pay on the basis of its arrangement among its co-obligors
b. Any additional amount the reporting entity expects to pay on behalf of its co-obligors.


ASU 2013-04 also requires an entity to disclose the nature and amount of the obligation as well as other information about those obligations.  For public companies ASU 2013-04 is effective for reporting periods beginning after December 15, 2013. The adoption of ASU 2013-04 is not expected to have a significant impact on the Company’s consolidated financial statements.

In July 2013, the FASB issued ASU No. 2013-11, Income Taxes (Topic 740):  Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists (“ASU 2013-11”).  Currently there is diversity in practice in the presentation of unrecognized tax benefits.  The aim of ASU 2013-11 is to provide guidance on the financial statement presentation of an unrecognized tax benefit when a net operating loss carryforward, similar tax loss, or tax credit carryforward exists. An unrecognized tax benefit, or a portion of an unrecognized tax benefit, should be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except for circumstances outlined in ASU 2013-11.  For public companies ASU 2013-11 is effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. Early adoption is permitted.  The adoption of ASU 2013-04 is not expected to have a significant impact on the Company’s consolidated financial statements.

In January 2014, FASB issued ASU No. 2014-04 Receivables (Topic 310): Troubled Debt Restructurings by Creditors (Subtopic 310-40) Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure (“ASU 2014-04”).  ASC Topic 310 includes guidance that states that a creditor should reclassify a collateralized mortgage loan such that the loan should be derecognized and the collateral asset recognized when it determines that there has been in substance a repossession or foreclosure by the creditor, that is, the creditor receives physical possession of the debtor’s assets regardless of whether formal foreclosure proceedings take place. However, the terms in substance a repossession or foreclosure and physical possession are not defined in the accounting literature and there is diversity about when a creditor should derecognize the loan receivable and recognize the real estate property. That diversity has been highlighted by recent extended foreclosure timelines and processes related to residential real estate properties.

The objectives in ASU 2014-04 are intended to reduce diversity in practice by clarifying when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate property recognized. Holding foreclosed real estate property presents different operational and economic risk to creditors compared with holding an impaired loan. Therefore, consistency in the timing of loan derecognition and presentation of foreclosed real estate properties is of qualitative significance to users of the creditor’s financial statements. Additionally, the disclosure of the amount of foreclosed residential real estate properties and of the recorded investment in consumer mortgage loans secured by residential real estate properties that are in the process of foreclosure is expected to provide decision-useful information to many users of the creditor’s financial statements. The amendments in ASU 2014-04 are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in ASU 2014-04 using either a modified retrospective transition method or a prospective transition method.  Early adoption is permitted. Early adoption is permitted.  The adoption of ASU 2014-04 is not expected to have a significant impact on the Company’s consolidated financial statements.
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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 2 – REGULATORY MATTERS and SIGNIFICANT RISKS and UNCERTAINTIES

FDIC and Department of Banking Memorandum of Understanding

During the fourth quarter of 2011, Royal Bank entered into an informal agreement, known as a memorandum of understanding (“MOU”) with each of the FDIC and the Pennsylvania Department of Banking (the “Department”). Included in the MOU is the requirement of maintaining a ratio of Tier 1 capital to total assets (“leverage ratio”) equal to or greater than 8% and a total risk-based capital ratio equal to or greater than 12%. At December 31, 2013, based on capital levels calculated under RAP, Royal Bank’s leverage and total risk-based capital ratios were 9.13% and 15.61%, respectively.  Please refer to “Note 15 – Regulatory Capital Requirements” to the Consolidated Financial Statements.

Federal Reserve Memorandum of Understanding

As previously disclosed, in March 2010, the Company agreed to enter into a written agreement (the “Federal Reserve Agreement”) with the Federal Reserve Bank of Philadelphia (the “Federal Reserve Bank”).  In July 2013, the Board of Governors of the Federal Reserve System terminated the enforcement action under Federal Reserve Agreement, and it was replaced with an informal non-public agreement, an MOU, with the Federal Reserve Bank, effective July 17, 2013.  Included in the MOU are certain continued reporting requirements and a requirement that the Company receive the prior approval of the Federal Reserve Bank prior to declaring or paying any dividends on the Company’s common stock, making interest payments related to the Company’s outstanding trust preferred securities or subordinate securities, incurring or guaranteeing certain debt with an original maturity date greater than one year, and purchasing or redeeming any shares of stock.  The MOU will remain in effect until stayed, modified, terminated or suspended in writing by the Federal Reserve Bank.

Our success as a Company is dependent upon pursuing various alternatives in not only achieving the growth and expansion of our banking franchise but also in managing our day to day operations. The existence of the two MOUs may limit or impact our ability to pursue all previously available alternatives in the management of the Company. Our ability to retain existing retail and commercial customers as well as the ability to attract potentially new customers may be impacted by the existence of the MOUs. Additionally, the Company’s ability to raise capital in the current economic environment could be potentially limited or impacted as a result of the MOUs. Attracting new management talent is critical to the success of our business and could be potentially effected due to the existence of the MOUs.

2013 Net Income

For the five years prior to 2013, the Company had recorded significant losses totaling $118.2 million which were primarily related to charge-offs on the loan and lease portfolio, impairment charges on investment securities, impairment charges on OREO, credit related expenses and the establishment of a deferred tax valuation allowance.  In addition to reducing the total shareholders’ equity, the accumulated deficit impacts the Company’s ability to pay cash dividends to its shareholders now and in future years.  For 2013, the Company recorded net income of $2.1 million compared to a net loss of $15.6 million in 2012. Declines in credit related expenses, provision for loan and lease losses, OTTI on investment securities, salaries and benefits and professional and legal fees of $7.4 million, $6.9 million, $2.4 million, $1.3 million and $1.2 million, respectively, positively impacted 2013 results.  Included in net income for 2013 were $2.5 million in gains on the sale of company owned real estate and an increase of $1.1 million in net gains on the sale of OREO properties.  Partially offsetting these positive items was a $1.9 million decrease in net interest income, a $1.4 million decrease in gains on sales of loans and leases, and an $872,000 decline in gains on sale of investment securities. The Company’s deferred tax valuation allowance amounted to $37.2 million at the end of 2013.  The deferred tax valuation allowance is a result of management’s conclusion that it was more likely than not that the Company would not generate sufficient future taxable income to realize all of the deferred tax assets.
77
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 2 – REGULATORY MATTERS and SIGNIFICANT RISKS and UNCERTAINTIES- Continued

Credit Quality

The financial services and real estate industries were hit particularly hard during the “Great Recession” and as a result the Company’s loan and investment portfolios were directly affected.  The Company’s commercial real estate loans, including construction and land development loans, saw a decline in the collateral values and a reduction in the borrowers’ ability to meet the payment terms of their loans due to reduced cash flow.  Further declines in collateral values and borrowers’ liquidity with sustained unemployment at current levels may lead to additional increases in foreclosures, delinquencies and customer bankruptcies.  The Company is less able than a larger institution to spread the risks of unfavorable local economic conditions across a large number of more diverse economies.

The Company has been successful in reducing net classified loans, which includes LHFS, and OREO.  Net classified loans were $32.2 million and $51.8 million at December 31, 2013 and 2012, respectively. The Company had total non-performing loans and recorded charge-offs of $10.2 million and $3.9 million at December 31, 2013, compared to $23.0 million and $6.3 million at December 31, 2012, respectively.  OREO balances were $9.6 million and $13.4 million at December 31, 2013 and 2012, respectively.  The Company’s delinquent loans held for investment (30 to 89 days) amounted to $2.6 million and $4.6 million at December 31, 2013 and 2012, respectively.  No material advances were made on any classified or delinquent loan unless approved by the board of directors and determined to be in Royal Bank’s best interest.  The Company has restructured the investment portfolio to reduce credit risk by selling corporate debt securities and equity securities and replacing their maturities with U.S. government issued or sponsored securities. Other-than-temporary-impairment losses were $0 at December 31, 2013 compared to $2.4 million at December 31, 2012.

Liquidity and Funds Management

Royal Bank previously had limited capacity to borrow additional funds in the event it was needed for liquidity purposes.  However, Royal Bank has continued to maintain liquidity measures that are in excess of the target levels.  During the third quarter of 2013, the FHLB released Royal Bank from the over collateralized delivery requirement of 105% subject to reevaluation on a quarterly basis. Additionally during the fourth quarter of 2013 the FHLB released Royal Bank from loan-level listing status.  As of December 31, 2013, Royal Bank had approximately $190.0 million of available borrowing capacity at the FHLB as a result of the two collateral restrictions being removed.  Royal Bank also has availability to borrow from the Federal Reserve Discount Window, which was approximately $7.2 million at December 31, 2013, and was based on collateral pledged.  Borrowings were $107.9 million and $108.3 million at December 31, 2013 and 2012, respectively.

At December 31, 2013, the liquidity to deposits ratio was 72.2% compared to Royal Bank’s 12% policy target and the liquidity to total liabilities ratio was 55.8% compared to Royal Bank’s 10% policy target. The Company also has unfunded pension plan obligations of $14.5 million as of December 31, 2013 which potentially could impact liquidity.  The Company plans to fund the pension plan obligations through existing Company owned life insurance policies.
78
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 2 – REGULATORY MATTERS and SIGNIFICANT RISKS and UNCERTAINTIES - Continued

Dividend and Interest Restrictions

Due to the MOU, our ability to obtain lines of credit, to receive attractive collateral treatment from funding sources, and to pursue all attractive funding alternatives in this current low interest rate environment could be impacted and thereby limit liquidity alternatives. On August 13, 2009, the Company’s Board suspended the regular quarterly cash dividends on the $30.4 million in Series A Preferred Stock and the interest payments on the $25.8 million in trust preferred securities.  As of December 31, 2013, the Series A Preferred stock dividend in arrears was $7.7 million and has not been recognized in the consolidated financial statements.  The Company believes the decision to suspend the preferred cash dividends will better support the liquidity position of Royal Bank.  During the third quarter of 2013, the Company received approval from the Federal Reserve Bank to pay the $3.1 million interest payment in arrears on the trust preferred securities.  On September 16, 2013, the Company became current and is current on the interest payments on the trust preferred securities which included an interest penalty of $174,000.  The Company received approval and paid the fourth quarter interest payment in December 2013.

At December 31, 2013 and 2012, as a result of significant losses within Royal Bank, the Company had an accumulated deficit and therefore would not have been able to declare and pay any cash dividends.  Royal Bank must receive prior approval from the FDIC and the Department before declaring and paying a dividend to the Company.  Under the Federal Reserve MOU the Company may not declare or pay any dividends or make interest payments related to the Company’s outstanding trust preferred securities or subordinate securities, without the prior written approval of the Reserve Bank and the Director of the Division of Banking Supervision and Regulation of the Board of Governors of the Federal Reserve System.

Capital Adequacy

In connection with a prior bank regulatory examination, the FDIC concluded, based upon its interpretation of the Call Report instructions and under RAP, that income from Royal Bank’s tax lien business should be recognized on a cash basis, not an accrual basis.  Royal Bank’s current accrual method is in accordance with U.S. GAAP.  Royal Bank disagrees with the FDIC’s conclusion and filed the Call Report for December 31, 2013 and the previous 13 quarters in accordance with U.S. GAAP.  However, the change in the manner of revenue recognition for the tax lien business for regulatory accounting purposes affects Royal Bank’s and potentially the Company’s capital ratios as disclosed in “Note 15 - Regulatory Capital Requirements” to the Consolidated Financial Statements.  The resolution of this matter will be decided by additional joint regulatory agency guidance which includes the Federal Reserve Bank, the FDIC, and OCC.
 
Under the MOU, Royal Bank must maintain a minimum Tier 1 leverage ratio and a minimum total risk-based capital ratio of 8% and 12%, respectively. At December 31, 2013, based on capital levels calculated under RAP, Royal Bank’s leverage and total risk-based capital ratios were 9.13% and 15.61%, respectively.

Company Plans and Strategy

During the past few years, the Company recorded significant impairment charges and carrying costs on non-accrual loans and OREO which has weighed heavily on earnings and was the largest contributing factor to the Company’s losses.  The Company’s strategic plan included improving the overall level of credit quality, maintaining reduced credit risk within the investment portfolio, reducing the overall level of expenses, and returning to profitability. The Board and management remain committed to meeting the capital level requirements for Royal Bank as set forth in the FDIC MOU.  As a result, the Board and management developed a contingency plan to maintain capital ratios at required levels. This strategy also assisted in reducing the level of classified assets by giving management the ability to actively pursue exit strategies on loans and OREO which were at historically high levels.
79
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 2 – REGULATORY MATTERS and SIGNIFICANT RISKS and UNCERTAINTIES - Continued

While sustaining capital ratios above the required minimum, the Company has made progress in improving credit quality, reducing the CRE concentration, strengthening the Board and maintaining liquidity. As a result of the decline in level of classified assets, there has been a corresponding reduction in the provision for loan and lease losses and the overall carrying costs associated with classified assets.  The deleveraging of the balance sheet has also reduced earning assets which has resulted in a decline in net interest income and has had a significant impact on overall earnings. To improve net interest margin and net interest income, management is diligently working on changing the mix of earning assets and interest-bearing liabilities.  In the event further deleveraging is necessary to maintain the required capital levels, net interest income would be negatively impacted.

For 2013, the strategic plan evolved into transitioning Royal Bank into a community bank built on a solid commercial revenue and retail delivery foundation.  During the first quarter of 2013, to support the strategic goals, management had announced a set of sweeping initiatives through the Company's "Profitability Improvement Plan" ("PIP") designed to enhance company-wide efficiency, productivity and modernization.  During 2013, the Company realized a 22% reduction in the workforce, which included reorganizing and relocating certain personnel to improve departmental synergies and better align managers and staff so they can work together in cohesive teams to accomplish their objectives.  The Company recorded a restructuring charge of $87,000 related to the reduction in workforce.  The Company also finalized a unique opportunity to reduce employee expenses as eight individuals became employees of a local company that provides servicing of the remaining tax lien and non-performing assets portfolios. Those portfolios continue to diminish per the Company's strategic plan. This outsourcing arrangement enables the Company to focus on the expansion of its core banking products while de-emphasizing legacy non-core activity such as tax liens.

During 2013, pursuant to the real estate rationalization plan under PIP, two branches were consolidated and four Company-owned buildings were sold.  Royal Bank consolidated the leased Henderson Road office between the King of Prussia and Bridgeport offices and consolidated the 15th Street branch office into the Walnut Street branch office, which are both located in Center City Philadelphia.  These branch consolidations had minimal effect on deposit levels. Included in the real estate sales were two buildings that are the sites of the Fairmount and Phoenixville retail branches. In refreshing our retail branch network, these two branches along with a third will be relocated to more attractive, convenient, high-traffic locations within the same markets over the next three to eight months.  Additionally the Villanova branch was relocated in January 2014.

During 2013, the Company launched a completely redesigned website which takes advantage of the latest technologies and trends in web development, including responsive design which reformats content to fit any screen, improving both aesthetics and user experience.  Visitors will also find a renewed emphasis on our most important products and services, including quick links to key revenue driving product lines and our secure home equity application. Complementing the launch of the new website was the debut of our mobile banking solution, TouchBanking.   With the addition to executive management of Lars Eller, as Chief Retail Banking Officer, the Company looks to grow its retail customer base with the deployment of new commercial and consumer solutions, enhancement of product offerings and further development of the retail sales teams.  To support the marketing of these enhancements the Company began refreshing its brand with new advertising through billboards and online and print media.  The expense reductions, revenue growth and planned additional improvements have repositioned the Company in 2013 and for the future.
80
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 3 - INVESTMENT SECURITIES

The amortized cost, gross unrealized gains and losses, and fair value of the Company’s available-for-sale investment securities are summarized as follows:

As of December 31, 2013
  
   
Included in AOCL*
    
 
(In thousands)
  
Amortized
cost
    
Gross
unrealized
gains
    
Gross
unrealized
losses
    
Fair value
  
Investment securities available-for-sale
  
   
   
   
 
U.S. government agencies
  
$
68,207
    
$
-
    
$
(6,171
)
  
$
62,036
  
Mortgage-backed  securities-residential
    
32,769
      
210
      
(882
)
    
32,097
  
Collateralized mortgage obligations:
                                
Issued or guaranteed by U.S. government agencies
    
188,194
      
2,887
      
(1,978
)
    
189,103
  
Non-agency
    
4,454
      
25
      
-
      
4,479
  
Corporate bonds
    
9,669
      
25
      
(256
)
    
9,438
  
Municipal bonds
    
7,163
      
-
      
(263
)
    
6,900
  
Common stocks
    
33
      
16
      
-
      
49
  
Other securities
    
3,363
      
1,405
      
(143
)
    
4,625
  
Total available for sale
  
$
313,852
    
$
4,568
    
$
(9,693
)
  
$
308,727
  

As of December 31, 2012
  
   
Included in AOCL*
    
 
(In thousands)
  
Amortized
cost
    
Gross
unrealized
gains
    
Gross
unrealized
losses
    
Fair value
  
Investment securities available-for-sale
  
   
   
   
 
U.S. government agencies
  
$
66,371
    
$
151
    
$
(78
)
  
$
66,444
  
Mortgage-backed  securities-residential
    
30,038
      
518
      
(47
)
    
30,509
  
Collateralized mortgage obligations:
                                
Issued or guaranteed by U.S. government agencies
    
229,556
      
5,031
      
(611
)
    
233,976
  
Non-agency
    
1,007
      
4
      
-
      
1,011
  
Corporate bonds
    
7,477
      
32
      
(72
)
    
7,437
  
Municipal bonds
    
5,645
      
-
      
(30
)
    
5,615
  
Common stocks
    
33
      
14
      
-
      
47
  
Other securities
    
3,752
      
520
      
(108
)
    
4,164
  
Total available for sale
  
$
343,879
    
$
6,270
    
$
(946
)
  
$
349,203
  

*
Accumulated other comprehensive loss

The investment portfolio declined $40.5 million from $349.2 million at December 31, 2012 to $308.7 million at December 31, 2013.  The decline was partially due to the reinvestment of cash flows from principal payments and calls into loans and the $10.4 million change to a net unrealized loss of $5.1 million at December 31, 2013 from a net unrealized gain of $5.3 million at December 31, 2012.

81
NOTE 3 - INVESTMENT SECURITIES – Continued

The amortized cost and fair value of investment securities at December 31, 2013, by contractual maturity, are shown below.  Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.

 
  
As of December 31, 2013
  
(In thousands)
  
Amortized
cost
    
Fair value
  
Within 1 year
  
$
11,806
    
$
10,257
  
After 1 but within 5 years
    
6,432
      
6,359
  
After 5 but within 10 years
    
33,519
      
31,246
  
After 10 years
    
33,282
      
30,512
  
Mortgage-backed  securities-residential
    
32,769
      
32,097
  
Collateralized mortgage obligations:
                
Issued or guaranteed by U.S. government agencies
    
188,194
      
189,103
  
Non-agency
    
4,454
      
4,479
  
Total available for sale debt securities
    
310,456
      
304,053
  
No contractual maturity
    
3,396
      
4,674
  
Total available for sale securities
  
$
313,852
    
$
308,727
  

Proceeds from the sales of investments available for sale during 2013 and 2012 were $31.0 million and $28.2 million, respectively.  The following table summarizes gross realized gains and losses realized on the sale of securities recognized in earnings in the periods indicated:

 
  
For the years ended December 31,
  
(In thousands)
  
2013
    
2012
  
Gross realized gains
  
$
416
    
$
1,211
  
Gross realized losses
    
(258
)
    
(181
)
Net realized gains
  
$
158
    
$
1,030
  
 
As of December 31, 2013, investment securities with a market value of $70.4 million were pledged as collateral to secure advances with the FHLB.

The Company evaluates securities for OTTI at least on a quarterly basis.  The Company assesses whether OTTI is present when the fair value of a security is less than its amortized cost.  All investment securities are evaluated for OTTI under FASB ASC Topic 320, “Investments-Debt & Equity Securities” (“ASC Topic 320”).  Non-agency collateralized mortgage obligations maybe evaluated under FASB ASC Topic 320 Subtopic 40, “Beneficial Interests in Securitized Financial Assets” or under FASB ASC Topic 325, “Investments-Other”.  In determining whether OTTI exists, management considers numerous factors, including but not limited to: (1) the length of time and the extent to which the fair value is less than the amortized cost, (2) the Company’s intent to hold or sell the security, (3) the financial condition and results of the issuer including changes in capital, (4) the credit rating of the issuer, (5) analysts’ earnings estimate, (6) industry trends specific to the security, and (7) timing of debt maturity and status of debt payments.

82
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 3 - INVESTMENT SECURITIES – Continued

Under ASC Topic 320, OTTI is considered to have occurred with respect to debt securities (1) if an entity intends to sell the security; (2) if it is more likely than not an entity will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of the expected cash flows is not sufficient to recover the entire amortized cost basis.  In addition, the amount of the OTTI recognized in earnings depends on whether an entity intends to sell or will more likely than not be required to sell the security.  If an entity intends to sell the security or will be required to sell the security, the OTTI shall be recognized in earnings equal to the entire difference between the fair value and the amortized cost basis at the balance sheet date.  If an entity does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before the recovery of its amortized cost basis, the OTTI shall be separated into two amounts, the credit-related loss and the noncredit-related loss. The credit-related loss is based on the present value of the expected cash flows and is recognized in earnings.  The noncredit-related loss is based on other factors such as illiquidity and is recognized in other comprehensive income (loss).

The tables below indicate the length of time individual securities have been in a continuous unrealized loss position at December 31, 2013 and 2012:

As of December 31, 2013
  
Less than 12 months
   
12 months or longer
    
Total
  
(In thousands)
  
Fair value
    
Gross
unrealized
losses
    
Number of
 positions
    
Fair value
    
Gross
unrealized
 losses
    
Number of
positions
    
Fair value
    
Gross
 unrealized
losses
    
Number of
positions
  
Investment securities available for sale
  
   
   
   
   
   
   
   
   
 
U.S. government agencies
  
$
48,919
    
$
(5,035
)
    
16
    
$
12,267
    
$
(1,136
)
    
5
    
$
61,186
    
$
(6,171
)
    
21
  
Mortgage-backed  securities-residential
    
18,045
      
(518
)
    
7
      
6,276
      
(364
)
    
2
      
24,321
      
(882
)
    
9
  
Collateralized mortgage obligations:
                                                                        
Issued or guaranteed by U.S. government agencies
    
67,240
      
(1,446
)
    
21
      
9,974
      
(532
)
    
3
      
77,214
      
(1,978
 
)
    
24
  
Corporate bonds
    
4,848
      
(221
)
    
5
      
965
      
(35
)
    
1
      
5,813
      
(256
)
    
6
  
Municipal bonds
    
3,019
      
(102
)
    
5
      
3,881
      
(161
)
    
4
      
6,900
      
(263
)
    
9
  
Other securities
    
-
      
-
      
-
      
301
      
(143
)
    
2
      
301
      
(143
)
    
2
  
Total available for sale
  
$
142,071
    
$
(7,322
)
    
54
    
$
33,664
    
$
(2,371
)
    
17
    
$
175,735
    
$
(9,693
)
    
71
  

As of December 31, 2012
  
Less than 12 months
    
12 months or longer
    
Total
  
(In thousands)
  
Fair value
    
Gross
unrealized
losses
    
Number
of
positions
    
Fair value
    
Gross
unrealized
losses
    
Number of
positions
    
Fair value
    
Gross
unrealized
losses
    
Number
 of
positions
  
Investment securities available for sale
  
   
   
   
   
   
   
   
   
 
U.S. government agencies
  
$
23,818
    
$
(78
)
    
8
    
$
-
    
$
-
      
-
    
$
23,818
    
$
(78
)
    
8
  
Mortgage-backed securities-residential
    
7,280
      
(47
)
    
2
      
-
      
-
      
-
      
7,280
      
(47
)
    
2
  
Collateralized mortgage obligations:
                                                                        
Issued or guaranteed by U.S. government agencies
    
44,937
      
(592
)
    
15
      
3,975
      
(19
)
    
2
      
48,912
      
(611
 
)
    
17
  
Corporate bonds
    
2,165
      
(13
)
    
2
      
941
      
(59
)
    
1
      
3,106
      
(72
)
    
3
  
Municipal bonds
    
4,597
      
(21
)
    
5
      
882
      
(9
)
    
1
      
5,479
      
(30
)
    
6
  
Other securities
    
289
      
(38
)
    
1
      
255
      
(70
)
    
1
      
544
      
(108
)
    
2
  
Total available for sale
  
$
83,086
    
$
(789
)
    
33
    
$
6,053
    
$
(157
)
    
5
    
$
89,139
    
$
(946
)
    
38
  
 
The AFS portfolio had gross unrealized losses of $9.7 million and $946,000 at December 31, 2013 and 2012, respectively.  The considerable increase in gross unrealized losses was directly impacted by increases of $6.2 million, $1.4 million and $835,000 in gross unrealized losses on government agency debt securities, Agency CMOs, and MBS, respectively.  These securities carry lower coupons and their market value was negatively impacted by a 72% increase in the 10-year Treasury yield from 1.76% at December 31, 2012 to 3.03% at December 31, 2013.  The Company did not record OTTI charges in 2013. In determining the Company’s intent not to sell and it is not more likely than not that the Company will be required to sell the investments before recovery of their amortized cost basis, management considers the following factors: current liquidity and availability of other non-pledged assets that permits the investment to be held for an extended period of time but not necessarily until maturity, capital planning, and any specific investment committee goals or guidelines related to the disposition of specific investments.

83
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 3 - INVESTMENT SECURITIES – Continued

Common stocks:  As of December 31, 2013, the Company had two common stocks of financial institutions with a total fair value of $49,000 and an unrealized gain of $16,000.  During 2012 the Company sold one common stock investment and recorded a gain of $112,000.

For all debt security types discussed below the fair value is based on prices provided by brokers and safekeeping custodians with the exception of trust preferred securities which is described below.

U.S. government-sponsored agencies (“US Agencies”):  As of December 31, 2013, the Company had 21 US Agency bonds, which are callable at par, with a fair value of $61.2 million and gross unrealized losses of $5.0 million.  Sixteen of these US Agencies have been in an unrealized loss position for less than twelve months.  The five bonds that have been in an unrealized loss position for more twelve months or longer had a fair market value of $12.3 million and unrealized losses of $1.2 million at December 31, 2013. Management believes that the unrealized loss on these debt securities is a function of changes in investment spreads.  Management expects to recover the entire amortized cost basis of these securities.  The Company does not intend to sell the securities before recovery of the cost basis and will not more likely than not be required to sell these securities before recovery of the cost basis.  Therefore, management has determined that these securities are not other-than-temporarily impaired at December 31, 2013.

Mortgage-backed securities issued by U.S. government agencies and U.S. government sponsored enterprises: As of December 31, 2013, the Company had nine mortgage-backed securities with a fair value of $24.3 million and gross unrealized losses of $882,000.  Two of the mortgage-backed securities had been in an unrealized loss position of twelve months or longer and the remaining seven mortgage-backed securities have been in an unrealized loss position for less than twelve months. The unrealized loss is attributable to a combination of factors, including relative changes in interest rates since the time of purchase.  The contractual cash flows for these securities are guaranteed by U.S. government agencies and U.S. government-sponsored enterprises. Based on its assessment of these factors, management believes that the unrealized losses on these debt securities are a function of changes in investment spreads and interest rate movements and not changes in credit quality.  Management expects to recover the entire amortized cost basis of these securities.  The Company does not intend to sell these securities before recovery of their cost basis and will not more likely than not be required to sell these securities before recovery of their cost basis.  Therefore, management has determined that these securities are not other-than-temporarily impaired at December 31, 2013.

U.S. government issued or sponsored collateralized mortgage obligations (“Agency CMOs”):  As of December 31, 2013, the Company had 24 Agency CMOs with a fair value of $77.2 million and gross unrealized losses of $2.0 million. Three of the Agency CMOs had been in an unrealized loss position for twelve months or longer and the remaining 21 Agency CMOs have been in an unrealized loss position for less than twelve months. The unrealized loss is attributable to a combination of factors, including relative changes in interest rates since the time of purchase.  The contractual cash flows for these securities are guaranteed by U.S. government agencies and U.S. government-sponsored enterprises. Based on its assessment of these factors, management believes that the unrealized losses on these debt securities are a function of changes in investment spreads and interest rate movements and not changes in credit quality.  Management expects to recover the entire amortized cost basis of these securities.  The Company does not intend to sell these securities before recovery of their cost basis and will not more likely than not be required to sell these securities before recovery of their cost basis.  Therefore, management has determined that these securities are not other-than-temporarily impaired at December 31, 2013.
 
Non-agency collateralized mortgage obligations (“Non-agency CMOs”):  As of December 31, 2013, the Company had two non-agency CMOs with a fair value of $4.5 million and a gross unrealized gain of $25,000.

84
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 3 - INVESTMENT SECURITIES – Continued

Corporate bonds:  As of December 31, 2013, the Company had six corporate bonds with a fair value of $5.8 million and gross unrealized losses of $256,000.  One of the corporate bonds had been in an unrealized loss position for more than twelve months and the remaining five bonds have been in an unrealized loss position for less than twelve months.  All six bonds are investment grade.  The Company’s unrealized losses in investments in corporate bonds represent interest rate risk and not credit risk of the underlying issuers. As previously mentioned management also considered (1) the length of time and the extent to which the fair value is less than the amortized cost, (2) the Company’s intent to hold or sell the security, (3) the financial condition and results of the issuer including changes in capital, (4) the credit rating of the issuer, (5) analysts’ earnings estimate, (6) industry trends specific to the security, and (7) timing of debt maturity and status of debt payments.  Management utilized discounted cash flow analysis based upon the credit ratings of the securities, liquidity risk premiums, and the recent corporate spreads for similar securities as required under ASC Topic 320 to determine the credit risk component of the corporate bonds.  Based on these analyses, there was no credit-related loss on the bonds. Because the Company does not intend to sell the corporate bonds and it is not more likely than not that the Company will be required to sell the bonds before recovery of their amortized cost basis, which may be maturity, the Company does not consider these bonds to be other-than-temporarily impaired at December 31, 2013.

Municipal bonds:  As of December 31, 2013, the Company had nine municipal bonds with a fair value $6.9 million and an unrealized loss of $263,000.  Five of the municipal bonds have been in an unrealized loss position for less than twelve months and four municipal bonds have been in an unrealized loss position for more twelve months or longer. Because the Company does not intend to sell the bonds and it is not more likely than not that the Company will be required to sell the bonds before recovery of its amortized cost basis, which may be maturity, the Company does not consider the bonds to be other-than-temporarily impaired at December 31, 2013.

Other securities:  As of December 31, 2013, the Company had seven investments in private equity funds which were predominantly invested in real estate.  In determining whether or not OTTI exists, the Company reviews the funds’ financials, asset values, and its near-term projections.  At December 31, 2013, two of the private equity funds had a combined fair value of $301,000 and an unrealized loss of $143,000.  OTTI charges were recorded in a prior period on these two funds.  Management concluded that there was no additional impairment on these two funds in 2013.  During 2012 the Company recorded impairment charges on two other private equity funds.   The impairment charges included the entire carrying value of one of the private equity funds in the amount of $1.5 million and a credit related impairment charge of $859,000 on another private equity fund.

The Company will continue to monitor all of the above investments to determine if the discounted cash flow analysis, continued negative trends, market valuations or credit defaults result in impairment that is other-than-temporary.

The following table presents a roll-forward of the balance of credit-related impairment losses on debt securities held at December 31, 2013 and 2012 for which a portion of an other-than-temporary impairment was recognized in other comprehensive income:

(In thousands)
  
2013
    
2012
  
Balance at January 1,
  
$
173
    
$
173
  
Reductions for securities sold during the period (realized)
    
(173
)
    
-
  
Balance at December 31,
  
$
-
    
$
173
  

85
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 3 - INVESTMENT SECURITIES – Continued

The following table summarizes other-than-temporary impairment losses on securities recognized in earnings in the periods indicated:

 
  
For the years ended December 31,
  
(In thousands)
  
2013
    
2012
  
Other securities
  
$
-
    
$
2,359
  
Total OTTI recognized in earnings
  
$
-
    
$
2,359
  

During 2012, the Company recorded a total impairment charge to earnings of $2.4 million related to other securities.  Management concluded that these investments were OTTI.

NOTE 4 – LOANS AND LEASES

Major classifications of LHFI are as follows:

 
  
As of December 31,
  
(In thousands)
  
2013
    
2012
  
Commercial real estate
  
$
148,293
    
$
167,115
  
Construction and land development
    
45,261
      
37,215
  
Commercial and industrial
    
79,589
      
40,560
  
Multi-family
    
11,737
      
11,756
  
Residential real estate
    
25,535
      
24,981
  
Leases
    
42,524
      
37,347
  
Tax certificates
    
12,716
      
24,569
  
Consumer
    
826
      
1,139
  
 
    
366,481
      
344,682
  
Less: Deferred loan fees, net*
    
-
      
(517
)
Total LHFI, net of unearned income
  
$
366,481
    
$
344,165
  

*For the 2013 period net deferred fees were allocated among the various loan types.

The Company originates commercial and real estate loans, including construction and land development loans primarily in the greater Philadelphia metropolitan area as well as selected locations throughout the mid-Atlantic region.  The Company also has participated with other financial institutions in selected construction and land development loans outside our geographic area. The Company has a concentration of credit risk in commercial real estate, construction and land development loans at December 31, 2013.  A substantial portion of its debtors’ ability to honor their contracts is dependent upon the housing sector specifically and the economy in general.
 
The Company has originated loans to the officers and directors of the Company and to their associates.  In accordance with Regulation O, related party loans are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated persons and do not involve more than normal risk of collectability.  The aggregate dollar amount of these loans and commitments was $234,000 and $1.4 million at December 31, 2013 and 2012.  During 2013 there were no new related party loans.  Total payments received on related party loans in 2013 were $1.2 million.

86
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 4 – LOANS AND LEASES – Continued

The Company uses a nine point grading risk classification system commonly used in the financial services industry as the credit quality indicator.  The first four classifications are rated Pass.  The riskier classifications include Pass-Watch, Special Mention, Substandard, Doubtful and Loss.  The risk rating is related to the underlying credit quality and probability of default.  These risk ratings are used to calculate the historical loss component of the allowance.

· Pass: includes credits that demonstrate a low probability of default;

· Pass-Watch: a warning classification which includes credits that are beginning to demonstrate above average risk through declining earnings, strained cash flows, increased leverage and/or weakening market fundamentals;

· Special mention: includes credits that have potential weaknesses that if left uncorrected could weaken the credit or result in inadequate protection of the Company’s position at some future date. While potentially weak, credits in this classification are marginally acceptable and loss of principal or interest is not anticipated;

· Substandard accrual: includes credits that exhibit a well-defined weakness which currently jeopardizes the repayment of debt and liquidation of collateral even though they are currently performing. These credits are characterized by the distinct possibility that the Company may incur a loss in the future if these weaknesses are not corrected;

· Non-accrual: (substandard non-accrual, doubtful, loss): includes credits that demonstrate serious problems to the point that it is probable that interest and principal will not be collected according to the contractual terms of the loan agreement.

All loans, at the time of presentation to the appropriate loan committee, are given an initial loan risk rating by the Chief Credit Officer (“CCO”). From time to time, and at the general direction of any of the various loan committees, the ratings may be changed based on the findings of that committee. Items considered in assigning ratings include the financial strength of the borrower and/or guarantors, the type of collateral, the collateral lien position, the type of loan and loan structure, any potential risk inherent in the specific loan type, higher than normal monitoring of the loan or any other factor deemed appropriate by any of the various committees for changing the rating of the loan. Any such change in rating is reflected in the minutes of that committee.

The following tables present risk ratings for each loan portfolio segment at December 31, 2013 and 2012, excluding LHFS.

As of December 31, 2013
  
   
   
Special
    
   
   
 
(In thousands)
  
Pass
    
Pass-Watch
    
Mention
    
Substandard
    
Non-accrual
    
Total
  
Commercial real estate
  
$
99,525
    
$
32,267
    
$
11,572
    
$
2,604
    
$
2,325
    
$
148,293
  
Construction and land development
    
14,677
      
16,270
      
11,095
      
569
      
2,650
      
45,261
  
Commercial & industrial
    
50,478
      
10,508
      
5,735
      
9,239
      
3,629
      
79,589
  
Multi-family
    
10,792
      
410
      
535
      
-
      
-
      
11,737
  
Residential real estate
    
24,903
      
-
      
-
      
-
      
632
      
25,535
  
Leases
    
41,325
      
485
      
247
      
-
      
467
      
42,524
  
Tax certificates
    
12,262
      
-
      
-
      
-
      
454
      
12,716
  
Consumer
    
750
      
76
      
-
      
-
      
-
      
826
  
Total LHFI
  
$
254,712
    
$
60,016
    
$
29,184
    
$
12,412
    
$
10,157
    
$
366,481
  
87
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 4 – LOANS AND LEASES – Continued

As of December 31, 2012
  
   
   
Special
    
   
   
 
(In thousands)
  
Pass
    
Pass-Watch
    
Mention
    
Substandard
    
Non-accrual
    
Total
  
Commercial real estate
  
$
64,308
    
$
69,510
    
$
19,529
    
$
3,423
    
$
10,345
    
$
167,115
  
Construction and land development
    
2,139
      
13,872
      
16,343
      
581
      
4,280
      
37,215
  
Commercial & industrial
    
14,764
      
10,774
      
92
      
9,969
      
4,961
      
40,560
  
Multi-family
    
9,019
      
2,034
      
703
      
-
      
-
      
11,756
  
Residential real estate
    
15,125
      
6,634
      
602
      
1,626
      
994
      
24,981
  
Leases
    
36,755
      
325
      
16
      
-
      
251
      
37,347
  
Tax certificates
    
23,968
      
-
      
-
      
-
      
601
      
24,569
  
Consumer
    
926
      
213
      
-
      
-
      
-
      
1,139
  
Subtotal LHFI
    
167,004
      
103,362
      
37,285
      
15,599
      
21,432
      
344,682
  
Less: Deferred loan fees
                                            
(517
)
Total LHFI
                                          
$
344,165
  

The following tables are an aging analysis of past due payments for each loan portfolio segment at December 31, 2013 and 2012, excluding LHFS.

As of December 31, 2013
  
30-59 Days
    
60-89 Days
    
Accruing
    
Total
    
   
 
(In thousands)
  
Past Due
    
Past Due
    
90+ Days
    
Non-accrual
    
Current
    
Total
  
Commercial real estate
  
$
996
    
$
-
    
$
-
    
$
2,325
    
$
144,972
    
$
148,293
  
Construction and land development
    
-
      
-
      
-
      
2,650
      
42,611
      
45,261
  
Commercial & industrial
    
115
      
49
      
-
      
3,629
      
75,796
      
79,589
  
Multi-family
    
-
      
-
      
-
      
-
      
11,737
      
11,737
  
Residential real estate
    
458
      
262
      
-
      
632
      
24,183
      
25,535
  
Leases
    
485
      
247
      
-
      
467
      
41,325
      
42,524
  
Tax certificates
    
-
      
-
      
-
      
454
      
12,262
      
12,716
  
Consumer
    
-
      
-
      
-
      
-
      
826
      
826
  
Total LHFI
  
$
2,054
    
$
558
    
$
-
    
$
10,157
    
$
353,712
    
$
366,481
  

As of December 31, 2012
  
30-59 Days
    
60-89 Days
    
Accruing
    
Total
    
   
 
(In thousands)
  
Past Due
    
Past Due
    
90+ Days
    
Non-accrual
    
Current
    
Total
  
Commercial real estate
  
$
1,548
    
$
1,486
    
$
-
    
$
10,345
    
$
153,736
    
$
167,115
  
Construction and land development
    
-
      
-
      
-
      
4,280
      
32,935
      
37,215
  
Commercial & industrial
    
200
      
-
      
-
      
4,961
      
35,399
      
40,560
  
Multi-family
    
-
      
-
      
-
      
-
      
11,756
      
11,756
  
Residential real estate
    
562
      
486
      
-
      
994
      
22,939
      
24,981
  
Leases
    
325
      
16
      
-
      
251
      
36,755
      
37,347
  
Tax certificates
    
-
      
-
      
-
      
601
      
23,968
      
24,569
  
Consumer
    
-
      
-
      
-
      
-
      
1,139
      
1,139
  
Subtotal LHFI
    
2,635
      
1,988
      
-
      
21,432
      
318,627
      
344,682
  
Less: Deferred loan fees
                                            
(517
)
Total LHFI
                                          
$
344,165
  

88
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 4 – LOANS AND LEASES – Continued

The following table details the composition of the non-accrual loans.

 
  
As of December 31, 2013
    
As of December 31, 2012
  
(In thousands)
  
Loan
balance
    
Specific
reserves
    
Loan
balance
    
Specific
reserves
  
Non-accrual loans held for investment
  
   
   
   
 
Commercial real estate
  
$
2,325
    
$
331
    
$
10,345
    
$
835
  
Construction and land development
    
2,650
      
-
      
4,280
      
820
  
Commercial & industrial
    
3,629
      
452
      
4,961
      
255
  
Residential real estate
    
632
      
19
      
994
      
14
  
Leases
    
467
      
60
      
251
      
55
  
Tax certificates
    
454
      
24
      
601
      
47
  
Total non-accrual LHFI
  
$
10,157
    
$
886
    
$
21,432
    
$
2,026
  
Non-accrual loans held for sale
                                
Commercial real estate
  
$
-
    
$
-
    
$
1,572
    
$
-
  
Total non-accrual LHFS
  
$
-
    
$
-
    
$
1,572
    
$
-
  
Total non-accrual loans
  
$
10,157
    
$
886
    
$
23,004
    
$
2,026
  

Total non-accrual loans at December 31, 2013 were $10.2 million in LHFI.  Total non-accrual loans at December 31, 2012 were $23.0 million and were comprised of $21.4 million in LHFI and $1.6 million in LHFS.  The $12.8 million decline in total non-accrual loans was the result of a $13.2 million reduction in existing non-accrual loan balances through payments or payoffs, $4.0 million in charge-offs and write downs related to impairment, and transfers to OREO of $9.1 million, which collectively were offset by $13.5 million in additions. The majority of the new non-accrual activity and transfers to OREO originated from the tax certificate portfolio.  Commercial, construction and land development, and commercial real estate loans represent 36%, 26%, and 23%, respectively, of the total $10.2 million in non-accrual loans at December 31, 2013.  If interest had been accrued, such income would have been approximately $1.7 million and $3.1 million for the years ended December 31, 2013 and 2012, respectively. At December 31, 2013, the Company had no loans past due 90 days or more on which interest continues to accrue.

Impaired Loans

The Company identifies a loan as impaired when it is probable that interest and principal will not be collected according to the contractual terms of the loan agreement.  Impaired loans include TDRs. The Company does not accrue interest income on impaired non-accrual loans. Excess proceeds received over the principal amounts due on impaired non-accrual loans are recognized as income on a cash basis. The Company recognizes income under the accrual basis when the principal payments on the loans become current and the collateral on the loan is sufficient to cover the outstanding obligation to the Company.  If these factors do not exist, the Company does not recognize income.
 
Total cash collected on impaired loans and leases during 2013 and 2012 was $16.1 million and $23.4 million, respectively, of which $15.3 million and $21.1 million was credited to the principal balance outstanding on such loans, respectively.

89
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 4 – LOANS AND LEASES – Continued

The following is a summary of information pertaining to impaired loans:

 
  
As of December 31,
  
(In thousands)
  
2013
    
2012
  
Impaired LHFI with a valuation allowance
  
$
3,835
    
$
9,405
  
Impaired LHFI without a valuation allowance
    
14,671
      
19,423
  
Impaired LHFS
    
-
      
1,572
  
Total impaired loans and leases
  
$
18,506
    
$
30,400
  
Valuation allowance related to impaired LHFI
  
$
886
    
$
2,026
  
 
 
  
For the years ended December 31,
  
(In thousands)
    
2013
      
2012
  
Average investment in impaired loans and leases
  
$
24,714
    
$
39,412
  
Interest income recognized on impaired loans and leases
  
$
559
    
$
366
  
Interest income recognized on a cash basis on impaired loans and leases
  
$
27
    
$
66
  

Troubled Debt Restructurings

At December 31, 2013, the Company had twelve TDRs, of which five are on non-accrual status, with a total carrying value of $12.1 million.  At the time of the modifications, five of the loans were already classified as impaired loans.   At December 31, 2012, the Company had twelve TDRs, of which eight were on non-accrual status, with a total carrying value of $21.1 million.  At the time of the modifications, eight of the loans were already classified as impaired loans.   The Company’s policy for TDRs is to recognize interest income on currently performing restructured loans under the accrual method.  The TDR balances are included in the impaired loan totals presented above.
 
The following table details the Company’s TDRs that are on an accrual status and a non-accrual status at December 31, 2013 and 2012.

 
  
As of December 31, 2013
  
(In thousands)
  
Number of
loans
    
Accrual
Status
    
Non-Accrual
Status
    
Total TDRs
  
Commercial real estate
    
3
    
$
3,847
    
$
-
    
$
3,847
  
Construction and land development
    
4
      
1,257
      
479
      
1,736
  
Commercial & industrial
    
3
      
4,420
      
1,960
      
6,380
  
Residential real estate
    
2
      
-
      
121
      
121
  
Total
    
12
    
$
9,524
    
$
2,560
    
$
12,084
  
90
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 4 – LOANS AND LEASES – Continued
 
 
  
As of December 31, 2012
  
(In thousands)
  
Number of
loans
    
Accrual
Status
    
Non-Accrual
Status
    
Total TDRs
  
Commercial real estate
    
4
    
$
1,664
    
$
854
    
$
2,518
  
Construction and land development
    
4
      
613
      
10,063
      
10,676
  
Commercial & industrial
    
2
      
5,290
      
2,457
      
7,747
  
Residential real estate
    
2
      
-
      
149
      
149
  
Total
    
12
    
$
7,567
    
$
13,523
    
$
21,090
  
 
At December 31, 2013, all of the TDRs were in compliance with their restructured terms.

The following table presents newly restructured loans that occurred during the years ended December 31, 2013 and 2012.

 
  
Modifications by type for the year ended December 31, 2013
  
(Dollars in thousands)
  
Number of
 loans
    
Rate
    
Term
    
Payment
    
Combination
of types
    
Total
    
Pre-
Modification Outstanding
Recorded
Investment
    
Post-
Modification Outstanding
Recorded
Investment
  
Commercial real estate
    
2
    
$
-
    
$
-
    
$
-
    
$
3,705
    
$
3,705
    
$
3,761
    
$
3,761
  
Commercial & industrial
    
1
      
-
      
-
      
-
      
82
      
82
      
87
      
87
  
Total
    
3
    
$
-
    
$
-
    
$
-
    
$
3,787
    
$
3,787
    
$
3,848
    
$
3,848
  

 
  
Modifications by type for the year ended December 31, 2012
  
(Dollars in thousands)
  
Number of
loans
    
Rate
    
Term
    
Payment
    
Combination
of types
    
Total
    
Pre-
Modification Outstanding
Recorded
Investment
    
Post-
Modification Outstanding
Recorded
Investment
  
Commercial real estate
    
2
    
$
-
    
$
-
    
$
-
    
$
7,624
    
$
7,624
    
$
9,426
    
$
9,426
  
Construction and land development
    
1
      
-
      
-
      
-
      
282
      
282
      
290
      
290
  
Commercial & industrial
    
1
      
-
      
-
      
5,290
      
-
      
5,290
      
5,290
      
5,290
  
Total
    
4
    
$
-
    
$
-
    
$
5,290
    
$
7,906
    
$
13,196
    
$
15,006
    
$
15,006
  

91
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 5 – ALLOWANCE FOR LOAN AND LEASE LOSSES

The following table presents the detail of the allowance and the loan portfolio disaggregated by loan portfolio segment as of December 31, 2013 and 2012.

Allowance for Loan and Leases Losses and Loans Held for Investment
For the year ended December 31, 2013


(In thousands)
  
Commercial
real estate
    
Construction
and land development
    
Commercial & industrial
    
Multi-family
    
Residential
real estate
    
Leases
    
Tax
certificates
    
Consumer
    
Unallocated
    
Total
  
Allowance for Loan and Leases Losses
    
   
   
   
   
   
   
   
   
 
Beginning balance
  
$
8,750
    
$
2,987
    
$
1,924
    
$
654
    
$
1,098
    
$
1,108
    
$
472
    
$
29
    
$
239
    
$
17,261
  
Charge-offs
    
(1,684
)
    
(820
)
    
(383
)
    
-
      
(46
)
    
(382
)
    
(578
)
    
-
      
-
      
(3,893
)
Recoveries
    
600
      
297
      
17
      
-
      
158
      
29
      
74
      
-
      
-
      
1,175
  
(Credit) provision
    
(2,168
)
    
(148
)
    
1,448
      
(252
)
    
(737
)
    
468
      
587
      
(14
)
    
(56
)
    
(872
)
Ending balance
  
$
5,498
    
$
2,316
    
$
3,006
    
$
402
    
$
473
    
$
1,223
    
$
555
    
$
15
    
$
183
    
$
13,671
  
 
                                                                                
Ending balance: related to loans individually evaluated for impairment
  
$
331
    
$
-
    
$
452
    
$
-
    
$
19
    
$
60
    
$
24
    
$
-
    
$
-
    
$
886
  
 
                                                                                
Ending balance: related to loans collectively evaluated for impairment
  
$
5,167
    
$
2,316
    
$
2,554
    
$
402
    
$
454
    
$
1,163
    
$
531
    
$
15
    
$
183
    
$
12,785
  
 
                                                                                
LHFI
                                                                                
Ending balance
  
$
148,293
    
$
45,261
    
$
79,589
    
$
11,737
    
$
25,535
    
$
42,524
    
$
12,716
    
$
826
    
$
-
    
$
366,481
  
 
                                                                                
Ending balance: individually evaluated for impairment
  
$
5,325
    
$
3,907
    
$
8,049
    
$
-
    
$
632
    
$
139
    
$
454
    
$
-
    
$
-
    
$
18,506
  
 
                                                                                
Ending balance: collectively evaluated for impairment
  
$
142,968
    
$
41,354
    
$
71,540
    
$
11,737
    
$
24,903
    
$
42,385
    
$
12,262
    
$
826
    
$
-
    
$
347,975
  

Allowance for Loan and Leases Losses and Loans Held for Investment
For the year ended December 31, 2012

(In thousands)
  
Commercial real estate
    
Construction and land development
    
Commercial & industrial
    
Multi-family
    
Residential
real estate
    
Leases
    
Tax
certificates
    
Consumer
    
Unallocated
    
Total
  
Allowance for Loan and Leases Losses
    
   
   
   
   
   
   
   
   
 
Beginning balance
  
$
7,744
    
$
2,523
    
$
2,331
    
$
531
    
$
1,188
    
$
1,311
    
$
425
    
$
20
    
$
307
    
$
16,380
  
Charge-offs
    
(1,313
)
    
(2,452
)
    
(586
)
    
(542
)
    
(111
)
    
(465
)
    
(802
)
    
-
      
-
      
(6,271
)
Recoveries
    
3
      
816
      
67
      
-
      
208
      
32
      
29
      
-
      
-
      
1,155
  
Provision (credit)
    
2,316
      
2,100
      
112
      
665
      
(187
)
    
230
      
820
      
9
      
(68
)
    
5,997
  
Ending balance
  
$
8,750
    
$
2,987
    
$
1,924
    
$
654
    
$
1,098
    
$
1,108
    
$
472
    
$
29
    
$
239
    
$
17,261
  
 
                                                                                
Ending balance: related to loans individually evaluated for impairment
  
$
835
    
$
820
    
$
255
    
$
-
    
$
14
    
$
55
    
$
47
    
$
-
    
$
-
    
$
2,026
  
 
                                                                                
Ending balance: related to loans collectively evaluated for impairment
  
$
7,915
    
$
2,167
    
$
1,669
    
$
654
    
$
1,084
    
$
1,053
    
$
425
    
$
29
    
$
239
    
$
15,235
  
 
                                                                                
LHFI
                                                                                
Ending balance
  
$
167,115
    
$
37,215
    
$
40,560
    
$
11,756
    
$
24,981
    
$
37,347
    
$
24,569
    
$
1,139
    
$
-
    
$
344,682
  
 
                                                                                
Ending balance: individually evaluated for impairment
  
$
10,958
    
$
5,943
    
$
10,251
    
$
-
    
$
994
    
$
81
    
$
601
    
$
-
    
$
-
    
$
28,828
  
 
                                                                                
Ending balance: collectively evaluated for impairment
  
$
156,157
    
$
31,272
    
$
30,309
    
$
11,756
    
$
23,987
    
$
37,266
    
$
23,968
    
$
1,139
    
$
-
    
$
315,854
  

92
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 5 – ALLOWANCE FOR LOAN AND LEASE LOSSES – Continued

The following tables detail the impaired LHFI by loan segment.

 
  
As of December 31, 2013
  
(In thousands)
  
Unpaid
principal
balance
    
Recorded
investment
    
Related
allowance
    
Average
recorded investment
    
Interest
income
recognized
  
With no related allowance recorded:
  
   
   
   
   
 
Commercial real estate
  
$
4,429
    
$
4,158
    
$
-
    
$
7,956
    
$
73
  
Construction and land development
    
9,850
      
3,907
      
-
      
3,933
      
209
  
Commercial and industrial
    
6,693
      
6,491
      
-
      
5,960
      
250
  
Residential real estate
    
-
      
-
      
-
      
84
      
27
  
Tax certificates
    
179
      
115
      
-
      
167
      
-
  
Total:
  
$
21,151
    
$
14,671
    
$
-
    
$
18,100
    
$
559
  
With an allowance recorded:
                                        
Commercial real estate
  
$
1,435
    
$
1,435
    
$
331
    
$
1,879
    
$
-
  
Construction and land development
    
-
      
-
      
-
      
381
      
-
  
Commercial and industrial
    
2,592
      
1,290
      
452
      
2,456
      
-
  
Residential real estate
    
827
      
631
      
19
      
492
      
-
  
Leases
    
139
      
139
      
60
      
106
      
-
  
Tax certificates
    
4,322
      
340
      
24
      
341
      
-
  
Total:
  
$
9,315
    
$
3,835
    
$
886
    
$
5,655
    
$
-
  
 
 
  
As of December 31, 2012
  
(In thousands)
  
Unpaid
principal
balance
    
Recorded
investment
    
Related
allowance
    
Average
recorded
investment
    
Interest
income
recognized
  
With no related allowance recorded:
  
   
   
   
   
 
Commercial real estate
  
$
10,417
    
$
8,623
    
$
-
    
$
11,163
    
$
78
  
Construction and land development
    
6,250
      
3,464
      
-
      
10,059
      
187
  
Commercial and industrial
    
7,790
      
6,820
      
-
      
5,545
      
73
  
Multi-family
    
-
      
-
      
-
      
780
      
-
  
Residential real estate
    
572
      
516
      
-
      
490
      
21
  
Tax certificates
    
-
      
-
      
-
      
583
      
-
  
Total:
  
$
25,029
    
$
19,423
    
$
-
    
$
28,620
    
$
359
  
With an allowance recorded:
                                        
Commercial real estate
  
$
4,136
    
$
2,335
    
$
835
    
$
1,526
    
$
-
  
Construction and land development
    
6,180
      
2,479
      
820
      
923
      
-
  
Commercial and industrial
    
9,585
      
3,431
      
255
      
682
      
-
  
Multi-family
    
-
      
-
      
-
      
383
      
-
  
Residential real estate
    
685
      
478
      
14
      
714
      
7
  
Leases
    
81
      
81
      
55
      
86
      
-
  
Tax certificates
    
4,408
      
601
      
47
      
288
      
-
  
Total:
  
$
25,075
    
$
9,405
    
$
2,026
    
$
4,602
    
$
7
  

93
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 6 – OTHER REAL ESTATE OWNED

OREO declined $3.8 million from $13.4 million at December 31, 2012 to $9.6 million at December 31, 2013.  During 2013 there was a shift in OREO composition from real estate acquired through, or in lieu of foreclosure in settlement of loans to real estate acquired through foreclosure related to tax liens.  Set forth below is a table which details the changes in OREO from December 31, 2012 to December 31, 2013.

 
  
For the year ended December 31, 2013
  
(In thousands)
  
Loans
    
Tax Liens
    
Total
  
Beginning balance
  
$
11,365
    
$
2,070
    
$
13,435
  
Net proceeds from sales
    
(8,869
)
    
(3,910
)
    
(12,779
)
Net gain on sales
    
228
      
1,199
      
1,427
  
Assets acquired on non-accrual loans
    
100
      
8,951
      
9,051
  
Impairment charge
    
(1,099
)
    
(418
)
    
(1,517
)
Ending balance
  
$
1,725
    
$
7,892
    
$
9,617
  

At December 31, 2013, OREO was comprised of $7.9 million in tax liens, $769,000 in land, $521,000 in commercial real estate, and a residential condominium project with a fair value of $435,000.  During 2013 the Company sold five separate land parcels and sold residential real estate properties related to five loan relationships. The Company received $6.0 million in net proceeds and recorded a net loss of $194,000 as a result of these sales.  Additionally, the Company sold a commercial real estate property, which was a hotel construction project in Minneapolis, Minnesota in which the Company was a participant. The Company received its pro rata share of net proceeds in the amount of $2.5 million and recorded a net gain of $262,000.  The Company also sold 42 condominiums related to the construction project in Minneapolis, Minnesota. The Company received its pro rata share of net proceeds in the amount of $330,000 and recorded net gains of $160,000.  During 2013 the Company recorded impairment charges of $628,000 on three land properties.  Due to the length of time that these properties have been classified as OREO and the inability to close on prior agreements of sales, the Company decided to a make a steep reduction in the selling prices of these three properties.  In addition the Company recorded impairment charges of $325,000 and $146,000 related to commercial real estate and residential real estate properties due to updated annual appraisals or agreements of sale.

In 2013 as the composition of the OREO assets evolved to properties acquired through the tax lien portfolio, the Company transferred $9.0 million to OREO which represents 84 separate properties.  During 2013, the Company sold 49 of the tax lien properties, received proceeds of $3.9 million, and recorded net gains of $1.2 million as a result of these sales. Additionally, the Company recorded impairment charges of $418,000 in 2013 related to the tax lien properties.  At December 31, 2012, OREO assets acquired through the tax lien portfolio were $2.1 million and were comprised of 30 properties.

The Company is working to satisfactorily sell the remaining OREO properties.  However the Company recognizes that the successful disposition of the properties, specifically the land, will likely take considerable time.
94
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 7 - PREMISES AND EQUIPMENT

 
  
  
As of December 31,
  
(In thousands)
Estimated Useful Lives
  
2013
    
2012
  
Land
 
  
$
2,200
    
$
2,396
  
Buildings and leasehold improvements
5 - 39 years
    
6,225
      
7,554
  
Furniture, fixtures and equipment
3 - 7 years
    
7,006
      
6,667
  
 
 
    
15,431
      
16,617
  
Less accumulated depreciation and amortization
 
    
(10,956
)
    
(11,385
)
Premises and equipment, net
 
  
$
4,475
    
$
5,232
  

Depreciation and amortization expense related to premises and equipment was approximately $451,000 and $417,000, for the years ended 2013 and 2012, respectively.  During 2013, pursuant to the real estate rationalization plan under PIP, the Company sold four Company owned properties with a carrying value of $674,000 and recorded $2.5 million in gains on the sales.  See “Note 2 – Regulatory Matters and Significant Risks and Uncertainties” to the Consolidated Financial Statements for additional information on PIP.

NOTE 8 - LEASE COMMITMENTS

The Company leases various premises under operating lease agreements, which expire through 2024 and require minimum annual rentals.  Some of these leases are cancelable.  The approximate minimum rental commitments under the leases are as follows for the year ended December 31, 2013:

 
  
As of
  
(In thousands)
  
December 31, 2013
  
2014
  
$
858
  
2015
    
874
  
2016
    
886
  
2017
    
860
  
2018
    
818
  
Thereafter
    
2,070
  
Total lease commitments
  
$
6,366
  

The leases contain options to extend for periods from one to ten years.  The cost of such lease extensions is not included in the above table.  Rental expense for all leases was approximately $785,000 and $795,000 for the years ended December 31, 2013 and 2012, respectively.  Lease expense will increase in 2014 due to the relocations of two retail offices from Company owned real estate to leased real estate.
95
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 9 – DEPOSITS

Deposits are summarized as follows:

 
  
As of December 31,
  
(In thousands)
  
2013
    
2012
  
Demand
  
$
60,473
    
$
58,531
  
NOW
    
45,375
      
43,920
  
Money Market
    
164,678
      
179,359
  
Savings
    
17,593
      
17,472
  
Time deposits (over $100)
    
92,763
      
91,233
  
Time deposits (under $100)
    
148,082
      
164,402
  
Total deposits
  
$
528,964
    
$
554,917
  

Maturities of time deposits for the next five years and thereafter are as follows:

 
  
As of
  
(In thousands)
  
December 31, 2013
  
2014
  
$
117,181
  
2015
    
88,948
  
2016
    
11,997
  
2017
    
5,373
  
2018
    
3,204
  
Thereafter
    
14,142
  
Total certificates of deposit
  
$
240,845
  

NOTE 10 – BORROWINGS AND SUBORDINATED DEBENTURES

1. Advances from the Federal Home Loan Bank
 
While Royal Bank has a $150 million line of credit with the FHLB, the available borrowing capacity with the FHLB is based on qualified collateral.  During the third quarter, the FHLB released Royal Bank from the over collateralized delivery requirement of 105% subject to reevaluation on a quarterly basis. Additionally during the fourth quarter of 2013 the FHLB released Royal Bank from loan-level listing status.  As of December 31, 2013, Royal Bank had approximately $190.0 million of available borrowing capacity at the FHLB as a result of the two collateral restrictions being removed.  Total advances from the FHLB were $65.0 million at December 31, 2013 and 2012.  The FHLB advances had a weighted average interest rate of 1.19%.   The advances and the line of credit are collateralized by FHLB stock, government agencies and mortgage-backed securities.  As of December 31, 2013, investment securities with a market value of $70.4 million were pledged as collateral to the FHLB.  The average balance of advances with the FHLB during 2013 was $64.4 million.
96
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 10 – BORROWINGS AND SUBORDINATED DEBENTURES – Continued
 
At December 31, 2012, advances from FHLB totaled $65.0 million with maturities within five years.  These advances had a weighted average interest rate of 2.35%.   The average balance of advances with the FHLB during 2012 was $80.1 million.

Presented below are the Company’s FHLB borrowings allocated by the year in which they mature with their corresponding weighted average rates:

 
  
As of December 31,
  
(Dollars in thousands)
  
2013
    
2012
  
 
  
Amount
    
Rate
    
Amount
    
Rate
  
Advances maturing in
  
   
   
   
 
2013
  
$
-
      
-
    
$
50,000
      
2.64
%
2014
    
10,000
      
0.24
%
                
2015
    
10,000
      
0.71
%
    
-
      
-
  
2016
    
10,000
      
1.11
%
    
-
      
-
  
2017
    
25,000
      
1.46
%
    
15,000
      
1.39
%
2018
    
10,000
      
2.01
%
                
Total FHLB borrowings
  
$
65,000
            
$
65,000
          

2. Other borrowings
 
The Company has a note payable with PNC Bank (“PNC”) at December 31, 2013 in the amount of $2.9 million with a maturity date of August 25, 2016.  The note payable balance at December 31, 2012 was $3.3 million.  The interest rate is a variable rate using rate index of one month LIBOR + 15 basis points and adjusts monthly.  The interest rate at December 31, 2013 and 2012 was 0.32% and 0.36%, respectively.

At December 31, 2013 and 2012, the Company had other borrowings of $40.0 million from PNC which will mature on January 7, 2018.  These borrowings are secured by government agencies and mortgaged-backed securities.  These borrowings have a weighted average interest rate of 3.65%.  As of December 31, 2013, investment securities with a market value of $49.7 million were pledged as collateral to secure all borrowings with PNC.

3.  Subordinated debentures

The Company has outstanding $25.0 million of Trust Preferred Securities issued through two Delaware trust affiliates, Royal Bancshares Capital Trust I (“Trust I”) and Royal Bancshares Capital Trust II (“Trust II”) (collectively, the “Trusts”).  The Company issued an aggregate principal amount of $12.9 million of floating rate junior subordinated debt securities to Trust I and an aggregate principal amount of $12.9 million of fixed/floating rate junior subordinated deferrable interest to Trust II.  Both debt securities bear an interest rate of 2.39% at December 31, 2013, and reset quarterly at 3-month LIBOR plus 2.15%.

Each of Trust I and Trust II issued an aggregate principal amount of $12.5 million of capital securities initially bearing fixed and/or fixed/floating interest rates corresponding to the debt securities held by each trust to an unaffiliated investment vehicle and an aggregate principal amount of $387,000 of common securities bearing fixed and/or fixed/floating interest rates corresponding to the debt securities held by each trust to the Company.  The Company has fully and unconditionally guaranteed all of the obligations of the Trusts, including any distributions and payments on liquidation or redemption of the capital securities.
97
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 10 – BORROWINGS AND SUBORDINATED DEBENTURES – Continued

On August 13, 2009, the Company’s Board suspended the interest payments on the trust preferred securities.  Under the Federal Reserve MOU as described in “Note 2 – Regulatory Matters and Significant Risks or Uncertainties” to the Consolidated Financial Statements, the Company and its non-bank subsidiaries may not make any distributions of interest, principal, or other sums on subordinated debentures or trust preferred securities without the prior written approval of the Reserve Bank and the Director of the Division of Banking Supervision and Regulation of the Board of Governors of the Federal Reserve System.  During the third quarter of 2013, the Company received approval from the Federal Reserve Bank to pay the $3.1 million interest payment in arrears on the trust preferred securities.  On September 16, 2013, the Company became current on the trust preferred interest payments which included an interest penalty of $174,000.  The Company received approval and paid the fourth quarter interest payment in December 2013.

NOTE 11 - INCOME TAXES

The components of income tax expense are stated below:

 
  
For the years ended December 31,
  
(In thousands)
  
2013
    
2012
  
Income tax expense
  
   
 
Current
  
$
42
    
$
-
  
Deferred
    
-
      
-
  
Income tax expense
  
$
42
    
$
-
  

The difference between the applicable income tax expense and the amount computed by applying the statutory federal income tax rate of 34% in 2013 and 2012 is as follows:

 
  
For the years ended December 31,
  
(In thousands)
  
2013
    
2012
  
Computed tax expense (benefit) at statutory rate
  
$
731
    
$
(5,313
)
Tax-exempt income
    
(22
)
    
(42
)
Department of Justice fine
    
-
      
680
  
Nondeductible expense
    
21
      
29
  
Bank owned life insurance
    
(183
)
    
(188
)
Adjustment to prior year items
    
1,933
      
-
  
(Decrease) increase in valuation allowance
    
(2,438
)
    
4,834
  
Applicable income tax expense
  
$
42
    
$
-
  

98
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 11 - INCOME TAXES – Continued

Deferred tax assets and liabilities consist of the following:

 
  
As of December 31,
  
(In thousands)
  
2013
    
2012
  
Deferred tax assets
  
   
 
Allowance for loan and lease losses
  
$
4,648
    
$
5,863
  
Net operating loss carry forward    
18,908
      
21,988
  
Asset valuation reserves
    
34
      
79
  
Escrow settlement reserves
    
561
      
-
  
Security writedowns
    
2,193
      
1,429
  
OREO writedowns
    
1,490
      
4,475
  
Investment in partnerships
    
1,805
      
34
  
Pension obligations
    
4,926
      
5,745
  
Unrealized losses on debt securities
    
2,171
      
-
  
Accrued stock-based compensation
    
143
      
804
  
Non-accrual interest
    
134
      
277
  
Capital loss carryovers
    
2,892
      
1,550
  
Charitable contribution carryovers
    
14
      
11
  
Other
    
77
      
139
  
Deferred tax assets before valuation allowance
    
39,996
      
42,394
  
Less valuation allowance
    
(37,159
)
    
(39,597
)
Total deferred tax assets
    
2,837
      
2,797
  
Deferred tax liabilities
                
Penalties on delinquent tax certificates
    
39
      
224
  
Unrealized gains on AFS debt investment securities
    
-
      
1,665
  
Unrealized gains on AFS equity securities
    
429
      
145
  
Prepaid deductions
    
190
      
285
  
Other
    
8
      
64
  
Total deferred tax liabilities
    
666
      
2,383
  
Net deferred tax assets, included in other assets
  
$
2,171
    
$
414
  
 
As of December 31, 2013 the Company had net operating income tax loss carryforwards of approximately $51.6 million which are available to be carried forward to future tax years.  These loss carryforwards will expire in varying amounts beginning in 2030 and ending in 2033 if not utilized.

The Company has approximately $4.0 million available to be utilized as of December 31, 2013 related to net operating loss carryovers from the acquisition of Knoblauch State Bank.  The ability to utilize these carryovers will expire in 2015.  The utilization of these losses is subject to limitation under Section 382 of the Internal Revenue Code.

As of December 31, 2013, the Company has capital loss carryforwards of approximately $8.5 million which will begin to expire as of December 31, 2014 if not utilized. The company also has charitable contribution carryovers of $42,000 that will begin to expire as of December 31, 2014 if not utilized. The company also has general business tax credit carryovers of $1,000 that will begin to expire as of December 31, 2030 if not utilized.

99
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 11 - INCOME TAXES – Continued

The Company recognizes deferred tax assets and liabilities for the future tax consequences related to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases, and for tax credits.  The deferred tax assets, net of valuation allowances, totaled $2.2 million and $414,000 at December 31, 2013 and 2012, respectively.  Management evaluated the deferred tax assets for recoverability using a consistent approach which considers the relative impact of negative and positive evidence, including historical profitability and projections of future reversals of temporary differences and future taxable income.  The Company is required to establish a valuation allowance for deferred tax assets and record a charge to income or shareholders' equity if management determines, based on available evidence at the time the determination is made, that it is more likely than not that some portion or all of the deferred tax assets will not be realized.  In evaluating the need for a valuation allowance, the Company estimates future taxable income based on management approved business plans and ongoing tax planning strategies.  This process involves significant management judgment about assumptions that are subject to change from period to period based on changes in tax laws or variances between projected operating performance, actual results and other factors.  The Company did not establish a valuation allowance for the deferred tax asset amount of $2.2 million as of December 31, 2013.  The $2.2 million net deferred tax asset as of December 31, 2013 relates to the portion attributable to unrealized losses on AFS debt securities recorded through accumulated other comprehensive loss since they do not require a source of future taxable income for realization. Management believes this deferred tax related to AFS debt securities is recoverable because the Company has the intent and ability to hold these securities until recovery of the amortized cost basis or the increase in value up to its amortized cost over the life.  Management believes that these unrealized losses will reverse over time.

As of December 31, 2013, the Company was in a cumulative book loss position for the three-year period ended December 31, 2013.  For purposes of establishing a deferred tax asset valuation allowance, this cumulative book loss position is considered significant objective evidence that the Company may not be able to realize some portion of the deferred tax assets in the future.  The cumulative book loss position was caused by the negative impact on results from the banking operations, investment impairments and loan and lease losses over the past three years.

As of December 31, 2013, and 2012, management concluded that it was more likely than not that the Company would not generate sufficient future taxable income to realize all of the deferred tax assets. Management’s conclusion was based on consideration of the relative weight of the available evidence and the uncertainty of future market conditions on results of operations.  As a result, the Company has recorded a cumulative non-cash charge of $37.2 million in the consolidated statements of operations that began in the period ended December 31, 2008 related to the establishment of a valuation allowance for the deferred tax asset for the portion of the future tax benefit that more likely than not will not be utilized in the future.

The Company is subject to income taxes in the U. S. and various state and local jurisdictions.  As of December 31, 2013, tax years 2006 through 2007 and 2009 through 2013 are subject to examination by various taxing authorities.  Tax regulations are subject to interpretation of the related tax laws and regulations and require significant judgment to apply.
 
The Company adopted new authoritative accounting guidance issued under FASB ASC Topic 740-10, “Accounting for Uncertainty in Income Taxes” as of January 1, 2007, and had no material unrecognized tax benefits (UTB) or accrued interest and penalties as of December 31, 2013. We do not expect the total amount of unrecognized tax benefits to significantly increase in the next twelve months.  We classify interest and penalties as an element of tax expense. We monitor changes in tax statutes and regulations to determine if significant changes will occur over the next 12 months. As of December 31, 2013 no significant changes to UTB are projected, however, tax audit examinations are possible.

100
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 12 - FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK AND CONCENTRATIONS OF CREDIT RISK

The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers and to reduce its own exposure to fluctuations in interest rates.  These financial instruments include commitments to extend credit and standby letters of credit.  Such financial instruments are recorded in the financial statements when they become payable.  Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets.  The contract amounts of those instruments reflect the extent of involvement the Company has in particular classes of financial instruments.

The Company’s exposure to credit loss in the event of non-performance by the other party to commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments.  The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments.

The contract amounts are as follows:

 
  
As of December 31,
  
(In thousands)
  
2013
    
2012
  
Financial instruments whose contract amounts represent credit risk
  
   
 
Open-end lines of credit
  
$
21,182
    
$
20,515
  
Commitments to extend credit
    
200
      
24,030
  
Standby letters of credit and financial guarantees written
    
2,679
      
1,199
  

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee.  Since many of the commitments are expected to expire without being drawn upon, and others are for staged construction, the total commitment amounts do not necessarily represent immediate cash requirements.

The Company evaluates each customer’s creditworthiness on a case-by-case basis.  The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation.  Collateral held varies but may include personal or commercial real estate, accounts receivable, inventory or equipment.

Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party.  Those guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing and similar transactions.  Most guarantees extend for one year and expire in decreasing amounts through August 2016.  The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers.  The Company holds personal or commercial real estate, accounts receivable, inventory or equipment as collateral supporting those commitments for which collateral is deemed necessary.  The extent of collateral held for those commitments is approximately 75%.
101
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 13 – LEGAL CONTINGENCIES

Royal Bank had a 60% equity interest in each of CSC and RTL.  CSC and RTL acquired, through public auction, delinquent tax liens in various jurisdictions thereby assuming a superior lien position to most other lien holders, including mortgage lien holders.   On March 4, 2009, each of CSC and RTL received grand jury subpoenas issued by the U.S. District Court for New Jersey (“Court”) upon application of the Antitrust Division of the United States DOJ.  On February 23, 2012, the former President of CSC and RTL entered a plea of guilty to one count of conspiring to rig bids at certain auctions for tax liens in New Jersey from 1998 until approximately the spring of 2009.  On September 26, 2012, as a result of the former President’s guilty plea and pursuant to a plea agreement with the DOJ, CSC entered a guilty plea in the United States District Court for the District of New Jersey to one count of conspiracy to commit bid-rigging at certain auctions for tax liens in New Jersey.  Under the terms of the Court accepted plea agreement, the DOJ agreed not to bring further criminal charges against CSC and not to bring criminal charges against RTL, or any current or former director, officer, or employee of CSC and/or RTL, for any act or offense committed prior to the date of the plea agreement that was in furtherance of any agreement to rig bids at municipal tax lien sales or auctions in the State of New Jersey. The former President of CSC and RTL and any person who bid at any time at a tax lien auction on behalf of CSC and/or RTL are excluded from this non-prosecution protection.  At the sentencing hearing held in December 2012, the sentencing judge agreed with the DOJ’s recommendation and imposed a $2.0 million fine for CSC.  After adjusting for the noncontrolling interest, the Company’s 60% share of the fine amounted to $1.2 million.

In 2012, the former President of CSC and RTL, CSC, RTL and the Company were named defendants, among others, in putative class action lawsuits filed in the U.S. District Court for the District of New Jersey (“Court”) on behalf of a proposed class of taxpayers who became delinquent in paying their municipal tax obligations which alleged a conspiracy to rig bids in municipal tax lien auctions.   On June 12, 2012, the Court entered an Order consolidating for pretrial purposes the actions with all subsequently filed or transferred related actions, collectively referred to as In re New Jersey Tax Sale Certificates Antitrust Litigation.  On October 22, 2012, the Court appointed two law firms as interim class counsel and another law firm as liaison class counsel and further ordered appointed counsel to a master complaint for the consolidated action.  On December 21, 2012, plaintiffs filed a Consolidated Master Class Action Complaint (the “Complaint”) against numerous defendants, including the former President of CSC and RTL, Royal Bancshares of Pennsylvania, Inc., Royal Bank America, CSC and RTL.  The Company filed a motion to dismiss the Complaint on March 8, 2013, which is currently pending before the Court.

During the second quarter of 2013, the Company accrued a loss contingency of $1.65 million for a potential settlement with the plaintiffs. After adjusting for the noncontrolling interest, the Company’s 60% share of the loss contingency amounted to $990,000 on a pre-tax basis.  Subsequently, the Company, Royal Bank, CSC, and RTL reached a settlement agreement with plaintiffs to settle the litigation for $1.65 million and other terms and conditions, including an opportunity for members of the proposed settlement class whose tax liens are currently held by CSC or RTL to redeem those liens for a one-time cash payment equaling 85% of the redemption amount by making such payment within 35 days of the date of written notice.  The proposed settlement class does not include, and therefore the offer to redeem does not apply to, tax liens acquired at 0% interest or at a premium.  The settlement is subject to Court approval after notice and a hearing.  Members of the proposed settlement class will have an opportunity to object to the proposed settlement or opt-out.
 
On or about March 15, 2012, CSC, RTL and the Company were named defendants, among others, in a complaint filed by Marina Bay Towers Urban Renewal II, LP (“MBT”) in the Superior Court of New Jersey, Law Division, Cape May County.  The complaint alleges essentially the same claims as asserted in the Complaint.  However MBT does not seek to represent a class and only seeks remedies related to itself.  As of the date of this filing, the Company cannot reasonably estimate the possible loss or range of loss that may result from this proceeding.
102
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 13 – LEGAL CONTINGENCIES – Continued

In 2005, the Company purchased $25.0 million in Class B-1 Notes of a collateralized debt obligation (“CDO”) offered by Lehman Brothers, Inc.  Concurrently with the issuance of the notes, the issuer entered into a credit swap with Lehman Brothers Special Financing (“LBSF”).  Lehman Brothers Holdings, Inc. (“LBHI”) guaranteed LBSF’s obligations to the issuer under the credit swap. When LBHI filed for bankruptcy in September 2008, an event of default under the indenture occurred, and the trustee declared the notes to be immediately due and payable.  The Company was repaid its principal on the notes in September 2008.  In September 2010, LBSF filed suit in the United States Bankruptcy court for the Southern District of New York against certain indenture trustees, certain special-purpose entities (issuers) and a class of noteholders and trust certificate holders who received distributions from the trustees, to recover funds that were allegedly improperly paid to the noteholders in forty-seven separate CDO transactions.  In July 2012, LBSF added the Company as a defendant in the proceeding. In June 2013, LBSF voluntarily dismissed without prejudice and without costs all claims against the Company related to the CDO transaction.

NOTE 14 – SHAREHOLDERS’ EQUITY

1.  Preferred Stock

On February 20, 2009, as part of the Capital Purchase Program (“CPP”) established by the United States Department of Treasury (“Treasury”), the Company issued to Treasury 30,407 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series A, without par value per share (the “Series A Preferred Stock”), and a liquidation preference of $1,000 per share.  In conjunction with the purchase of the Series A Preferred Stock, Treasury received a warrant to purchase 1,104,370 shares of the Company’s Class A common stock.  The aggregate purchase price for the Series A Preferred Stock and warrant was $30.4 million in cash.  The Series A Preferred Stock qualifies as Tier 1 capital and pays cumulative dividends at a rate of 5% per annum for the first five years, and 9% per annum commencing in February 2014.  The Series A Preferred Stock may generally be redeemed by the Company at any time following consultation with its primary banking regulators.  The warrant issued to Treasury has a 10-year term and is immediately exercisable upon its issuance, with an exercise price, subject to anti-dilution adjustments, equal to $4.13 per share of the common stock.  The Company’s utilized the extra capital provided by the CPP funds to support its efforts to prudently and transparently provide lending and liquidity while also balancing the goal to remain well-capitalized.

2.  Common Stock

The Company’s Class A common stock trades on the NASDAQ Global Market under the symbol RBPAA.  There is no market for the Company’s Class B common stock.  The Class B shares may not be transferred in any manner except to the holder’s immediate family.  Class B shares may be converted to Class A shares at the rate of 1.15 to 1.  Class B common stock is entitled to one vote for each Class A share and ten votes for each Class B share held.  Holders of either class of common stock are entitled to conversion equivalent per share dividends when declared.
 
3.  Payment of Dividends

Under the Pennsylvania Business Corporation Law, the Company may pay dividends only if it is solvent and would not be rendered insolvent by the dividend payment. There are also restrictions set forth in the Pennsylvania Banking Code of 1965 (the “Code”) and in the Federal Deposit Insurance Act (“FDIA”) affecting the payment of dividends to the Company by Royal Bank.  Under the Code, no dividends may be paid by a bank except from “accumulated net earnings” (generally retained earnings).  In addition, dividends paid by Royal Bank to the Company would be prohibited if the effect thereof would cause Royal Bank’s capital to be reduced below applicable minimum capital requirements.  At December 31, 2013, the Company had negative retained earnings and therefore would not have been able to declare and pay any cash dividends.  Royal Bank must receive prior approval from the FDIC and the Department before declaring and paying a dividend to the Company.
103
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 14 – SHAREHOLDERS’ EQUITY - Continued

On August 13, 2009, the Company’s Board suspended the regular quarterly cash dividends on the $30.4 million in Series A Preferred Stock.  The Company’s Board took this action in consultation with the Federal Reserve Bank of Philadelphia as required by regulatory policy guidance.  As of December 31, 2013, the Series A Preferred stock dividend in arrears was $7.7 million and has not been recognized in the consolidated financial statements. In the event the Company declared the preferred dividend the Company’s capital ratios would be negatively affected however they would remain above the required minimum ratios.  Under the Federal Reserve MOU as described in “Note 2 – Regulatory Matters and Significant Risks or Uncertainties” to the Consolidated Financial Statements, the Company may not declare or pay any dividends without the prior written approval of the Reserve Bank and the Director of the Division of Banking Supervision and Regulation of the Board of Governors of the Federal Reserve System.  In February 2014, the preferred cumulative dividend rate prospectively increased to 9% per annum.

4.  Change in Noncontrolling Interest

As mentioned in “Note 1 – Summary of Significant Accounting Policies” and “Note 13 - Legal Contingencies” to the Consolidated Financial Statements, Royal Bank had a 60% ownership interest in CSC and RTL.  Effective December 31, 2013, Royal Bank agreed to a $1.25 million cash settlement with the former President of CSC and RTL, in which Royal Bank acquired his 40% ownership interest in RTL for $850,000.  The former President also relinquished his 20% ownership interest in CSC to Royal Bank. The combined value of the ownership interests was $2.6 million.  The settlement resulted in a $1.5 million gain for Royal Bank which was recorded as an increase to Additional Paid in Capital within Stockholders Equity.  As part of the cash settlement Royal Bank agreed to pay $400,000 for prior tax distributions. Additionally, the settlement agreement also includes a possible tax payment upon completion of the 2013 Forms K-1.  Effective, December 31, 2013, Royal Bank is an 80% owner of CSC and 100% owner of RTL.

NOTE 15 – REGULATORY CAPITAL REQUIREMENTS

The Company and Royal Bank are subject to various regulatory capital requirements administered by the federal banking agencies.  Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements.  Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The Company’s and Royal Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Under the informal agreement referenced in “Note 2 – Regulatory Matters and Significant Risks And Uncertainties” to the Consolidated Financial Statements, Royal Bank is required to maintain a minimum Tier 1 leverage ratio of 8% and a Total risk-based capital ratio of 12%.  As of December 31, 2013, the Company and Royal Bank met all capital adequacy requirements to which it is subject and Royal Bank met the criteria for a well-capitalized institution.

In connection with a prior bank regulatory examination, the FDIC concluded, based upon its interpretation of the Call Report instructions and under RAP, that income from Royal Bank’s tax lien business should be recognized on a cash basis, not an accrual basis.  Royal Bank’s current accrual method is in accordance with U.S. GAAP.  Royal Bank disagrees with the FDIC’s conclusion and filed the Call Report for December 31, 2013 and the previous 13 quarters in accordance with U.S. GAAP.  However, a change in the manner of revenue recognition for the tax lien business for regulatory accounting purposes affects Royal Bank’s and the Company’s capital ratios as shown below.  The resolution of this matter will be decided by additional joint regulatory agency guidance which includes the Federal Reserve Bank, the FDIC, and the OCC.
104
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 15 – REGULATORY CAPITAL REQUIREMENTS - Continued
 
The table below sets forth Royal Bank’s capital ratios under RAP based on the FDIC’s interpretation of the Call Report instructions:
 
 
  
   
   
   
   
To be well capitalized
  
 
  
   
   
For capital
    
capitalized under prompt
  
 
  
Actual
    
adequacy purposes
    
corrective action provision
  
(Dollars in thousands)
  
Amount
    
Ratio
    
Amount
    
Ratio
    
Amount
    
Ratio
  
Total capital (to risk-weighted assets)
  
   
   
   
   
   
 
At December 31, 2013
  
$
71,417
      
15.61
%
  
$
36,590
      
8.00
%
  
$
45,737
      
10.00
%
At December 31, 2012
  
$
67,338
      
15.22
%
  
$
35,386
      
8.00
%
  
$
44,233
      
10.00
%
Tier I capital (to risk-weighted assets)
                                                
At December 31, 2013
  
$
65,602
      
14.34
%
  
$
18,295
      
4.00
%
  
$
27,442
      
6.00
%
At December 31, 2012
  
$
61,664
      
13.94
%
  
$
17,693
      
4.00
%
  
$
26,540
      
6.00
%
Tier I capital (to average assets, leverage)
                                                
At December 31, 2013
  
$
65,602
      
9.13
%
  
$
28,739
      
4.00
%
  
$
35,924
      
5.00
%
At December 31, 2012
  
$
61,664
      
8.00
%
  
$
30,842
      
4.00
%
  
$
38,552
      
5.00
%

The tables below reflect the adjustments to the net loss as well as the capital ratios for Royal Bank under U.S. GAAP:
 
 
  
For the years ended December 31,
  
(In thousands)
  
2013
    
2012
  
RAP net loss
  
$
(139
)
  
$
(17,974
)
Tax lien adjustment, net of noncontrolling interest
    
2,844
      
4,731
  
U.S. GAAP net income (loss)
  
$
2,705
    
$
(13,243
)

 
  
At December 31, 2013
    
At December 31, 2012
  
 
  
As reported
    
As adjusted
    
As reported
    
As adjusted
  
 
  
under RAP
    
for U.S. GAAP
    
under RAP
    
for U.S. GAAP
  
Total capital (to risk-weighted assets)
    
15.61
%
    
16.49
%
    
15.22
%
    
16.73
%
Tier I capital (to risk-weighted assets)
    
14.34
%
    
15.22
%
    
13.94
%
    
15.44
%
Tier I capital (to average assets, leverage)
    
9.13
%
    
9.73
%
    
8.00
%
    
8.93
%

105
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 15 – REGULATORY CAPITAL REQUIREMENTS - Continued
 
The tables below reflect the Company’s capital ratios:

 
  
   
   
   
   
To be well capitalized
  
 
  
   
   
For capital
    
capitalized under prompt
  
 
  
Actual
    
adequacy purposes
    
corrective action provision
  
(Dollars in thousands)
  
Amount
    
Ratio
    
Amount
    
Ratio
    
Amount
    
Ratio
  
Total capital (to risk-weighted assets)
  
   
   
   
   
   
 
At December 31, 2013
  
$
84,384
      
18.09
%
  
$
37,315
      
8.00
%
    
N/A
    
N/A
 
At December 31, 2012
  
$
84,073
      
18.46
%
  
$
36,429
      
8.00
%
    
N/A
 
    
N/A
 
Tier I capital (to risk-weighted assets)
                                                
At December 31, 2013
  
$
71,432
      
15.31
%
  
$
18,658
      
4.00
%
    
N/A
 
    
N/A
 
At December 31, 2012
  
$
71,138
      
15.62
%
  
$
18,214
      
4.00
%
    
N/A
 
    
N/A
 
Tier I Capital (to average assets, leverage)
                                                
At December 31, 2013
  
$
71,432
      
9.79
%
  
$
29,178
      
4.00
%
    
N/A
 
    
N/A
 
At December 31, 2012
  
$
71,138
      
9.05
%
  
$
31,443
      
4.00
%
    
N/A
 
    
N/A
 

The Company has filed the Consolidated Financial Statements for Bank Holding Companies-FR Y-9C (“FR Y-9C”) as of December 31, 2013 consistent with U.S. GAAP and the FR Y-9C instructions.  In the event a similar adjustment for RAP purposes would be required by the Federal Reserve on the holding company level, the adjusted ratios are shown in the tables below.

 
  
For the years ended December 31,
  
(In thousands)
  
2013
    
2012
  
U.S. GAAP net income (loss)
  
$
2,109
    
$
(15,625
)
Tax lien adjustment, net of noncontrolling interest
    
(2,844
)
    
(4,731
)
RAP net loss
  
$
(735
)
  
$
(20,356
)

 
  
At December 31, 2013
    
At December 31, 2012
  
 
  
As reported
    
As adjusted
    
As reported
    
As adjusted
  
 
  
under U.S. GAAP
    
for RAP
    
under U.S. GAAP
    
for RAP
  
Total capital (to risk-weighted assets)
    
18.09
%
    
17.24
%
    
18.46
%
    
17.01
%
Tier I capital (to risk-weighted assets)
    
15.31
%
    
14.10
%
    
15.62
%
    
13.55
%
Tier I capital (to average assets, leverage)
    
9.79
%
    
8.98
%
    
9.05
%
    
7.79
%

106
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 16 - PENSION PLANS

The Company has a noncontributory nonqualified defined benefit pension plan covering certain eligible employees. The Company-sponsored pension plan provides retirement benefits under pension trust agreements. The benefits are based on years of service and the employee’s compensation during the highest three consecutive years during the last 10 years of employment.  The Company accounts for its pension in accordance with FASB ASC Topic 715 “Compensation-Retirement Benefits” (“ASC Topic 715”).  ASC Topic 715 requires the recognition of a plan’s over-funded or under-funded status as an asset or liability with an offsetting adjustment to AOCI.  ASC Topic 715 requires the determination of the fair values of plans assets at a company’s year-end and recognition of actuarial gains and losses, prior service costs or credits, and transition assets or obligations as a component of AOCI.  These amounts will be subsequently recognized as components of net periodic benefits cost.  Further, actuarial gains and losses that arise in subsequent periods that are not initially recognized as a component of net periodic benefit cost will be recognized as a component of AOCI.  Those amounts will subsequently be recognized as a component of net periodic benefit cost as they are amortized during future periods.

The following table sets forth the plan’s funded status and amounts recognized in the Company’s consolidated balance sheets:

 
  
For the years ended December 31,
  
(In thousands)
  
2013
    
2012
  
Change in benefit obligation
  
   
 
Benefit obligation at beginning of year
  
$
16,897
    
$
14,942
  
Service cost
    
81
      
272
  
Interest cost
    
623
      
584
  
Benefits paid
    
(981
)
    
(556
)
Actuarial (gain) loss
    
(2,132
)
    
1,655
  
Benefits obligation at end of year
  
$
14,488
    
$
16,897
  
Unrecognized prior service cost
    
179
      
269
  
Unrecognized actuarial loss
    
2,750
      
5,119
  
 
  
$
2,929
    
$
5,388
  

The accumulated benefit obligation at December 31, 2013 and 2012 was $14.5 million and $16.6 million, respectively.

The table below reflects the assumptions used to determine the benefit obligations:
 
 
  
As of December 31,
  
 
  
2013
    
2012
  
Discount rate
    
4.37
%
    
3.25
%
Rate of compensation increase
    
4.00
%
    
4.00
%

107
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 16 - PENSION PLANS – Continued

The table below reflects the assumptions used to determine the net periodic pension cost:

 
  
For the years ended December 31,
  
 
  
2013
    
2012
  
Discount rate
    
4.37
%
    
4.00
%
Rate of compensation increase
    
4.00
%
    
4.00
%

Net pension cost included the following components:

 
  
For the years ended December 31,
  
(In thousands)
  
2013
    
2012
  
Service cost
  
$
81
    
$
272
  
Interest cost
    
623
      
584
  
Amortization prior service cost
    
90
      
90
  
Amortization net actuarial loss
    
238
      
381
  
Net periodic benefit cost
  
$
1,032
    
$
1,327
  

Benefit payments to be made from the Non-qualified Pension Plan are as follows:

 
  
As of December 31, 2013
  
 
  
Non-Qualified
  
(In thousands)
  
Pension Plans
  
2014
  
$
970
  
2015
    
987
  
2016
    
1,015
  
2017
    
1,015
  
2018
    
1,015
  
Next  five years thereafter
    
5,610
  

Benefit payments are expected to be made from insurance policies owned by the Company.  The cash surrender value for these policies was approximately $3.4 million and $3.3 million as of December 31, 2013 and 2012, respectively.

Defined Contribution Plan

The Company has a capital accumulation and salary reduction plan under Section 401(k) of the Internal Revenue Code of 1986, as amended.  Under the plan, all employees are eligible to contribute up to the maximum allowed by IRS regulation, with the Company matching dollar for dollar of any contribution up to 5%, which is subject to a $2,500 per employee annual limit.  During 2013 and 2012, no matching contribution was made as a result of a management decision to reduce costs.
108
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 17 - STOCK COMPENSATION PLANS

The Company recognized compensation expense for stock options in the amounts of $22,000 and $42,000 for December 31, 2013 and 2012, respectively.   The Company granted 15,000 options to purchase common stock in 2013.  The Company did not grant any options to purchase common stock in 2012.

1.  Outside Directors’ Stock Option Plan

The Company had a non-qualified outside Directors’ Stock Option Plan (the “Directors’ Plan”) which expired in 2006.  At December 31, 2013 all outstanding shares are fully vested (exercisable).  The ability to grant new options under this plan has expired.

A summary of the Directors’ Plan activity is presented below:

 
  
2013
    
2012
  
 
  
   
Weighted
    
Weighted
     (1)  
   
Weighted
  
 
  
   
Average
    
Average
    
Average
    
   
Average
  
 
  
   
Exercise
    
Remaining
    
Intrinsic
    
   
Exercise
  
 
  
Options
    
Price
    
Term (yrs)
    
Value
    
Options
    
Price
  
Options outstanding at beginning of year
    
58,306
    
$
21.15
      
1.2
              
68,620
    
$
20.66
  
Exercised
    
-
      
-
                      
-
      
-
  
Forfeited
    
(24,286
)
    
21.24
                      
-
      
-
  
Expired
    
(8,350
)
    
18.27
                      
(10,314
)
    
17.91
  
Options outstanding at the end of the year
    
25,670
    
$
22.00
      
1.5
    
$
-
      
58,306
    
$
21.15
  
Options exercisable at the end of the year
    
25,670
    
$
22.00
      
1.5
    
$
-
      
58,306
    
$
21.15
  

(1) The aggregate intrinsic value of a stock option in the table above represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had they exercised their options on December 31, 2013.  The intrinsic value varies based on the changes in the market value in the Company’s stock.  Because the exercise price exceeded the market value of the options, the average intrinsic value was $0 at December 31, 2013.

Information pertaining to options outstanding at December 31, 2013 is as follows:

    
Options outstanding and exercisable
  
   
   
Weighted
    
Weighted
  
   
   
Average
    
Average
  
Range of
    
Number
    
Exercise
    
Remaining
  
exercise prices
    
Outstanding
    
Price
    
Term (yrs)
  
$21.00 - $23.00
      
25,670
    
$
22.00
      
1.5
  
         
25,670
    
$
22.00
      
1.5
  

109
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 17 - STOCK COMPENSATION PLANS - Continued

2.  Employee Stock Option and Appreciation Right Plan

The Company had a Stock Option and Appreciation Right Plan (the “Plan”) which expired in 2006.  At December 31, 2013 all outstanding shares are fully vested (exercisable).  The ability to grant new options under this plan has expired.

A summary of the Plan activity is presented below:
 
 
  
2013
    
2012
  
 
  
   
Weighted
    
Weighted
     (1)  
   
Weighted
  
 
  
   
Average
    
Average
    
Average
    
   
Average
  
 
  
   
Exercise
    
Remaining
    
Intrinsic
    
   
Exercise
  
 
  
Options
    
Price
    
Term (yrs)
    
Value
    
Options
    
Price
  
Options outstanding at beginning of year
    
217,561
    
$
21.50
      
1.3
              
335,919
    
$
21.01
  
Exercised
    
-
      
-
                      
-
      
-
  
Forfeited
    
(119,137
)
    
21.53
                      
(74,569
)
    
21.42
  
Expired
    
(15,644
)
    
18.27
                      
(43,789
)
    
17.91
  
Options outstanding at the end of the year
    
82,780
    
$
22.06
      
1.1
    
$
-
      
217,561
    
$
21.50
  
Options exercisable at the end of the year
    
82,780
    
$
22.06
      
1.1
    
$
-
      
217,561
    
$
21.50
  

(1) The aggregate intrinsic value of a stock option in the table above represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had they exercised their options on December 31, 2013.  The intrinsic value varies based on the changes in the market value in the Company’s stock.  Because the exercise price exceeded the market value of the options, the average intrinsic value was $0 at December 31, 2013.

Information pertaining to options outstanding at December 31, 2013 is as follows:

    
Options outstanding and exercisable
  
   
   
Weighted
    
Weighted
  
   
   
Average
    
Average
  
Range of
    
Number
    
Exercise
    
Remaining
  
exercise prices
    
Outstanding
    
Price
    
Term (yrs)
  
$21.00 - $23.00
      
82,780
    
$
22.06
      
1.1
  
         
82,780
    
$
22.06
      
1.1
  
 
3.  Long-Term Incentive Plan

The 2007 Long-Term Incentive Plan was approved by Shareholders at the May 16, 2007 Annual Meeting.  The plan consists of both a restricted and an unrestricted stock option plan.  All employees and non-employee directors of the Company and its designated subsidiaries are eligible participants. The plan includes one million shares of Class A common stock, subject to customary anti-dilution adjustments, or approximately 9.0% of  the total outstanding shares of the Class A common stock.

As of December 31, 2012, 187,390 shares from the unrestricted plan have been granted. The option price is equal to the fair market value at the date of the grant. The employee options are exercisable based on the grant’s vesting schedule beginning one year after the date of grant and must be exercised within ten years of the grant date.  Directors’ options are exercisable on the one year anniversary of the date of grant and must be exercised within ten years of the grant date.

110
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 17 - STOCK COMPENSATION PLANS - Continued

A summary of the status of the unrestricted portion of the Plan is presented below:

 
  
2013
    
2012
  
 
  
   
Weighted
    
Weighted
     (1)
 
  
   
Weighted
  
 
  
   
Average
    
Average
    
Average
    
   
Average
  
 
  
   
Exercise
    
Remaining
    
Intrinsic
    
   
Exercise
  
 
  
Options
    
Price
    
Term (yrs)
    
Value
    
Options
    
Price
  
Options outstanding at beginning of year
    
86,226
    
$
9.22
      
5.4
              
116,440
    
$
9.73
  
Granted
    
15,000
      
1.36
                      
-
      
-
  
Exercised
    
-
      
-
                      
-
      
-
  
Forfeited
    
(11,840
)
    
8.83
                      
(30,214
)
    
11.19
  
Expired
    
-
      
-
                      
-
      
-
  
Options outstanding at the end of the year
    
89,386
    
$
7.95
      
4.9
    
$
-
      
86,226
    
$
9.22
  
Options exercisable at the end of the year
    
74,386
    
$
9.28
      
4.0
    
$
-
      
75,706
    
$
9.88
  
                                               
Weighted-average fair value of options granted during the year
          
$
0.98
            
$
-
            
$
-
  

(1) The aggregate intrinsic value of a stock option in the table above represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had they exercised their options on December 31, 2013.  The intrinsic value varies based on the changes in the market value in the Company’s stock.  Because the exercise price exceeded the market value of the options, the average intrinsic value was $0 at December 31, 2013.
 
Information pertaining to options outstanding at December 31, 2013 is as follows:

    
Options issued and outstanding
    
Options exercisable
  
   
   
Weighted
    
Weighted
    
   
Weighted
  
   
   
Average
    
Average
    
   
Average
  
Range of
    
Number
    
Exercise
    
Remaining
    
Number
    
Exercise
  
exercise prices
    
Outstanding
    
Price
    
Term (yrs)
    
Outstanding
    
Price
  
$
1.36
      
15,000
    
$
1.36
      
9.3
      
-
    
$
-
  
$
4.50
      
51,550
      
4.50
      
4.3
      
51,550
      
4.50
  
$
20.08
      
22,836
      
20.08
      
3.3
      
22,836
      
20.08
  
         
89,386
    
$
7.95
      
4.9
      
74,386
    
$
9.28
  

111
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 17 - STOCK COMPENSATION PLANS – Continued

The following table provides detail for non-vested shares under the Long-Term Incentive Plan as of December 31, 2013:

 
  
   
Weighted
  
 
  
   
Average
  
 
  
Number
    
Exercise
  
 
  
of shares
    
Price
  
Non-vested options December 31, 2012
    
10,520
    
$
4.50
  
Granted
    
15,000
      
1.36
  
Forfeited
    
(1,590
)
    
4.50
  
Vested
    
(8,930
)
    
4.50
  
Non-vested options December 31, 2013
    
15,000
    
$
1.36
  

Under the aforementioned Long-Term Incentive Plan, approved by shareholders in May 2007, the Company is authorized to grant share-based incentive compensation awards for corporate performance to employees.  These awards may be granted in form of shares of the Company’s common stock, performance-restricted restricted stock.
 
The vesting of awards is contingent upon meeting certain return on asset and return on equity goals.  The awards are not permitted to be transferred during the restricted time period from the date of the award and are subject to forfeiture to the extent that the performance restrictions are not satisfied.  Awards are also forfeited if the employee terminates his or her service prior to the end of the restricted time period, unless such termination is in accordance with the Company’s mandatory retirement age.  Vested awards are converted to shares of the Company’s common stock at the end of the restricted time period.  The fair market value of each employee based award is estimated based on the fair market value of the Company’s common stock on the date of the grant and probable performance goals to be achieved and estimated forfeitures.  If such goals are not met then no compensation cost would be recognized and any recognized compensation cost would be reversed.  There were no shares of restricted stock outstanding at December 31, 2013.
 
NOTE 18 - EARNINGS PER COMMON SHARE (“EPS”)

Basic and diluted EPS are calculated as follows:

 
  
For the year ended December 31, 2013
  
 
  
Income
    
Average shares
    
Per share
  
(In thousands, except for per share data)
  
(numerator)
    
(denominator)
    
Amount
  
Basic and Diluted EPS
  
   
   
 
Income available to common shareholders
  
$
34
      
13,279
    
$
0.00
  

At December 31, 2013, 197,836 options to purchase shares of common stock and restricted stock awards were anti-dilutive in the computation of diluted EPS, as exercise price exceeded average market price.  Additionally 30,407 warrants were also anti-dilutive.

112
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 18 - EARNINGS PER COMMON SHARE (“EPS”) – Continued

 
  
For the year ended December 31, 2012
  
 
  
Loss
    
Average shares
    
Per share
  
(In thousands, except for per share data)
  
(numerator)
    
(denominator)
    
Amount
  
Basic and Diluted EPS
  
   
   
 
Loss available to common shareholders
  
$
(17,663
)
    
13,257
    
$
(1.33
)

At December 31, 2012, 362,093 options to purchase shares of common stock and restricted stock awards were anti-dilutive in the computation of diluted EPS, as exercise price exceeded average market price and as a result of the net loss for the year.  Additionally 30,407 warrants were also anti-dilutive.

NOTE 19 – COMPREHENSIVE LOSS

ASC Topic 220 requires the reporting of all changes in equity during the reporting period except investments from and distributions to shareholders.  Net income (loss) is a component of comprehensive income (loss) with all other components referred to in the aggregate as other comprehensive income (loss).

The components of other comprehensive (loss) income and the related tax effects for December 31, 2013 and 2012 are as follows:

 
  
For the year ended December 31, 2013
  
(In thousands)
  
Before tax
 amount
    
Tax
expense
(benefit)
    
Net of tax
amount
  
Unrealized losses on investment securities:
  
   
   
 
Unrealized holding losses arising during period
  
$
(10,291
)
  
$
(3,572
)
  
$
(6,719
)
Less reclassification adjustment for gains realized in net income
    
158
      
54
      
104
  
Unrealized losses on investment securities
    
(10,449
)
    
(3,626
)
    
(6,823
)
Unrecognized benefit obligation expense:
                        
Actuarial gain
    
950
      
323
      
627
  
Less reclassification adjustment for amortization
    
(328
)
    
(112
)
    
(216
)
 
    
1,278
      
435
      
843
  
Other comprehensive loss, net
  
$
(9,171
)
  
$
(3,191
)
  
$
(5,980
)

113
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 19 – COMPREHENSIVE LOSS – Continued

 
  
For the year ended December 31, 2012
  
(In thousands)
  
Before tax
amount
    
Tax
expense
(benefit)
    
Net of tax
 amount
  
Unrealized losses on investment securities:
  
   
   
 
Unrealized holding losses arising during period
  
$
(1,573
)
  
$
(535
)
  
$
(1,038
)
Less adjustment for impaired investments
    
(2,359
)
    
(802
)
    
(1,557
)
Less reclassification adjustment for gains realized in net loss
    
1,030
      
350
      
680
  
Unrealized losses on investment securities
    
(244
)
    
(83
)
    
(161
)
Unrecognized benefit obligation expense:
                        
Actuarial loss
    
(1,655
)
    
(563
)
    
(1,092
)
Less reclassification adjustment for amortization
    
(471
)
    
(160
)
    
(311
)
 
    
(1,184
)
    
(403
)
    
(781
)
Other comprehensive loss, net
  
$
(1,428
)
  
$
(486
)
  
$
(942
)

The other components of accumulated other comprehensive loss included in shareholders’ equity at December 31, 2013 and 2012 are as follows:

 
  
As of December 31,
  
(In thousands)
  
2013
    
2012
  
Unrecognized benefit obligation
  
$
(2,929
)
  
$
(3,556
)
Unrealized gains on AFS investments
    
(3,193
)
    
3,414
  
Accumulated other comprehensive loss
  
$
(6,122
)
  
$
(142
)

NOTE 20 - FAIR VALUE OF FINANCIAL INSTRUMENTS

Under FASB ASC Topic 820 “Fair Value Measurements” (“ASC Topic 820”), fair values are based on the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. When available, management uses quoted market prices to determine fair value.  If quoted prices are not available, fair value is based upon valuation techniques such as matrix pricing or other models that use, where possible, current market-based or independently sourced market parameters, such as interest rates. If observable market-based inputs are not available, the Company uses unobservable inputs to determine appropriate valuation adjustments using discounted cash flow methodologies.

Management uses its best judgment in estimating the fair value of the Company’s financial instruments; however, there are inherent weaknesses in any estimation technique.  Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sales transaction on the dates indicated.  The estimated fair value amounts have been measured as of their respective period end and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates.  As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each period-end.

114
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 20 - FAIR VALUE OF FINANCIAL INSTRUMENTS – Continued

ASC Topic 820 provides guidance for estimating fair value when the volume and level of activity for an asset or liability has significantly declined and for identifying circumstances when a transaction is not orderly.  ASC Topic 820 establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value.  The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements).  The three levels of the fair value hierarchy under ASC Topic 820 are as follows:

 
Level 1:
Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities.

 
Level 2:
Quoted prices in markets that are not active, or inputs that are observable either directly or indirectly, for substantially the full term of the asset or liability.  Level 2 includes debt securities with quoted prices that are traded less frequently then exchange-traded instruments. Valuation techniques include matrix pricing which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted prices.

 
Level 3:
Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported with little or no market activity).

A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.  The Company did not have transfers of financial instruments within the fair value hierarchy during the three and twelve months ended December 31, 2013 and 2012.

Items Measured on a Recurring Basis

The Company’s available for sale investment securities are recorded at fair value on a recurring basis.

Fair value for Level 1 securities are determined by obtaining quoted market prices on nationally recognized securities exchanges.  Level 1 securities include common stocks.

Level 2 securities include obligations of U.S. government-sponsored agencies, debt securities with quoted prices, which are traded less frequently than exchange-traded instruments, whose value is determined using matrix pricing with inputs that are observable in the market or can be derived principally from or corroborated by observable market data.  The prices were obtained from third party vendors. This category generally includes the Company’mortgage-backed securities and CMOs issued by U.S. government and government-sponsored agencies, non-agency CMOs, and corporate and municipal bonds.

Level 3 securities include investments in seven private equity funds which are predominantly invested in real estate.  The value of the private equity funds are derived from the funds’ financials and K-1 filings.  The Company also reviews the funds’ asset values and its near-term projections.
115
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 20 - FAIR VALUE OF FINANCIAL INSTRUMENTS – Continued

For financial assets measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2013 and 2012 are as follows:

As of December 31, 2013
  
Fair Value Measurements Using
    
 
(In thousands)
  
Level 1
    
Level 2
    
Level 3
    
Fair Value
  
Assets
  
   
   
   
 
Investment securities available-for-sale
  
   
   
   
 
U.S. government agencies
  
$
-
    
$
62,036
    
$
-
    
$
62,036
  
Mortgage-backed  securities-residential
    
-
      
32,097
      
-
      
32,097
  
Collateralized mortgage obligations:
                                
Issued or guaranteed by U.S. government agencies
    
-
      
189,103
      
-
      
189,103
  
Non-agency
    
-
      
4,479
      
-
      
4,479
  
Corporate bonds
    
-
      
9,438
      
-
      
9,438
  
Municipal bonds
    
-
      
6,900
      
-
      
6,900
  
Other securities
    
-
      
-
      
4,625
      
4,625
  
Common stocks
    
49
      
-
      
-
      
49
  
Total available for sale
  
$
49
    
$
304,053
    
$
4,625
    
$
308,727
  
 
                                
As of December 31, 2012
  
Fair Value Measurements Using
          
(In thousands)
  
Level 1
    
Level 2
    
Level 3
    
Fair Value
  
Assets
                                
Investment securities available-for-sale
                                
U.S. government agencies
  
$
-
    
$
66,444
    
$
-
    
$
66,444
  
Mortgage-backed  securities-residential
    
-
      
30,509
      
-
      
30,509
  
Collateralized mortgage obligations:
                                
Issued or guaranteed by U.S. government agencies
    
-
      
233,976
      
-
      
233,976
  
Non-agency
    
-
      
1,011
      
-
      
1,011
  
Corporate bonds
    
-
      
7,437
      
-
      
7,437
  
Municipal bonds
    
-
      
5,615
      
-
      
5,615
  
Other securities
    
-
      
-
      
4,164
      
4,164
  
Common stocks
    
47
      
-
      
-
      
47
  
Total available for sale
  
$
47
    
$
344,992
    
$
4,164
    
$
349,203
  

116
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 20 - FAIR VALUE OF FINANCIAL INSTRUMENTS – Continued

The following tables present additional information about assets measured at fair value on a recurring basis and for which the Company has utilized Level 3 inputs to determine fair value for the years ended December 31, 2013 and 2012:

(In thousands)
  
Other
  
Investment Securities Available for Sale
  
securities
  
 
  
 
Beginning balance January 1, 2013
  
$
4,164
  
Total gains/(losses) - (realized/unrealized):
        
Included in earnings
    
94
  
Included in other comprehensive income
    
850
  
Purchases
    
70
  
Sales and calls
    
(553
)
Transfers in and/or out of Level 3
    
-
  
Ending balance December 31, 2013
  
$
4,625
  

 
  
Trust
    
   
 
(In thousands)
  
preferred
    
Other
    
 
Investment Securities Available for Sale
  
securities
    
securities
    
Total
  
 
  
   
   
 
Beginning balance January 1, 2012
  
$
12,603
    
$
6,918
    
$
19,521
  
Total gains/(losses) - (realized/unrealized):
                        
Included in earnings
    
126
      
(1,817
)
    
(1,691
)
Included in other comprehensive income
    
(1,938
)
    
79
      
(1,859
)
Purchases
    
-
      
788
      
788
  
Sales and calls
    
(10,773
)
    
(1,804
)
    
(12,577
)
Amortization of premium
    
(18
)
    
-
      
(18
)
Transfers in and/or out of Level 3
    
-
      
-
      
-
  
Ending balance December 31, 2012
  
$
-
    
$
4,164
    
$
4,164
  
 
Items Measured on a Nonrecurring Basis

Non-accrual loans and TDRs are evaluated for impairment on an individual basis under FASB ASC Topic 310 “Receivables”.  The impairment analysis includes current collateral values, known relevant factors that may affect loan collectability, and risks inherent in different kinds of lending.  When the collateral value or discounted cash flows less costs to sell is less than the carrying value of the loan a specific reserve (valuation allowance) is established. Loans held for sale are carried at the lower of cost or fair value. OREO is carried at the lower of cost or fair value.  Fair value is based upon independent market prices, appraised values of the collateral or management’s estimation of the value of the real estate.  Additionally, for collateral acquired from tax liens, fair value may be established using brokers opinions due to their lower carrying value.  These assets are included as Level 3 fair values, based upon the lowest level of input that is significant to the fair value measurements.

117
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 20 - FAIR VALUE OF FINANCIAL INSTRUMENTS – Continued

For financial assets measured at fair value on a nonrecurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2013 and 2012 are as follows:

As of December 31, 2013
  
Fair Value Measurements Using
    
 
(In thousands)
  
Level 1
    
Level 2
    
Level 3
    
Fair Value
  
Assets
  
   
   
   
 
Impaired loans
  
$
-
    
$
-
    
$
4,073
    
$
4,073
  
Other real estate owned
    
-
      
-
      
9,182
      
9,182
  
Loans and leases held for sale
    
-
      
-
      
1,446
      
1,446
  

As of December 31, 2012
  
Fair Value Measurements Using
    
 
(In thousands)
  
Level 1
    
Level 2
    
Level 3
    
Fair Value
  
Assets
  
   
   
   
 
Impaired loans
  
$
-
    
$
-
    
$
9,180
    
$
9,180
  
Other real estate owned
    
-
      
-
      
7,632
      
7,632
  
Loans and leases held for sale
    
-
      
-
      
1,572
      
1,572
  

The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Company has utilized Level 3 inputs to determine fair value:

 
  
Qualitative Information about Level 3 Fair Value Measurements
  
As of December 31, 2013
  
 
Valuation
Unobservable
  
Range (Weighted
  
(In thousands)
  
Fair Value
  
Techniques
Input
  
Average)
  
Impaired loans and leases
  
$
4,073
  
Appraisal of collateral (1)
Appraisal adjustments
  
0.0% to -25.0% (-2.0%)
  
 
        
   
Liquidation  expenses
  
0.0% to -23.2% (-6.7%)
  
 
        
 
 
  
 
 
        
Salvageable value of
 
    
0.0
%
 
        
collateral (2)
 
        
 
        
 
 
        
Other real estate owned
    
9,182
  
Appraisal of collateral (1)
Appraisal adjustments
  
0.0% to -62.5% (-11.2%)
  
 
        
Sales prices
Liquidation  expenses
  
-2.8% to -6.8% (-5.0%)
  
 
        
 
 
        
Loans and leases held for sale
    
1,446
  
Sales prices (3)
 
        

(1) Appraisals or brokers opinions of collateral values may be adjusted for qualitative factors such as interior condition of the property and liquidation expenses.  Fair value may also be based on negotiated settlements with the borrower.
 
(2) Leases are measured using the salvageable value of the collateral.
 
(3) Fair value was based on agreement with specific buyer.

The following methods and assumptions were used to estimate the fair values of the Company’s financial instruments at December 31, 2013 and 2012. The tables below indicate the fair value of the Company’s financial instruments at December 31, 2013 and 2012.  The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities.  Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company’s disclosures and those of other companies may not be meaningful.  The methodologies for estimating the fair value of financial instruments that are measured on a recurring or nonrecurring basis are discussed above.

118
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 20 - FAIR VALUE OF FINANCIAL INSTRUMENTS – Continued

Cash and cash equivalents (carried at cost):

The carrying amounts reported in the balance sheet for cash and short-term instruments approximate those assets’ fair values.
 
Securities:

Management uses quoted market prices to determine fair value of securities (level 1).  If quoted prices are not available, fair value is based upon valuation techniques such as matrix pricing or other models that use, where possible, current market-based or independently sourced market parameters, such as interest rates (level 2). If observable market-based inputs are not available, the Company uses unobservable inputs to determine appropriate valuation adjustments by reviewing the private equities funds’ financials and K-1 filings and for trust preferred securities using discounted cash flow methodologies (level 3).

Other Investment (carried at cost):

This investment includes the Solomon Hess SBA Loan Fund, which the Company invested in to partially satisfy its community reinvestment requirement.  Shares in this fund are not publicly traded and therefore have no readily determinable fair market value.  An investor can have their investment in the Fund redeemed for the balance of their capital account at any quarter end with 60 days notice to the Fund.  The investment in this Fund is recorded at cost.  The Company does not record this investment at fair value on a recurring basis, as this investment’s carrying amount approximates fair value.

Restricted investment in bank stock (carried at cost):

The carrying amount of restricted investment in bank stock approximates fair value, and considers the limited marketability of such securities.

Loans held for sale (carried at the lower of cost or fair market value):

The fair values of loans held for sale are estimated using expected net sales proceeds.

Loans receivable (carried at cost):

The fair values of loans are estimated using discounted cash flow analyses, using market rates at the balance sheet date that reflect the credit and interest rate-risk inherent in the loans.  Projected future cash flows are calculated based upon contractual maturity or call dates, projected repayments and prepayments of principal.   Generally, for variable rate loans that re-price frequently and with no significant change in credit risk, fair values are based on carrying values.

Impaired loans (generally carried at fair value):

Impaired loans are accounted for under ASC Topic 310. Impaired loans are those in which the Company has measured impairment generally based on the fair value of the loan’s collateral.  Fair value is generally determined based upon independent third-party appraisals of the properties, or discounted cash flows based on the expected proceeds.  These assets are included as Level 3 fair values, based upon the lowest level of input that is significant to the fair value measurements.

Accrued interest receivable and payable (carried at cost):

The carrying amount of accrued interest receivable and accrued interest payable approximates its fair value.

119
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 20 - FAIR VALUE OF FINANCIAL INSTRUMENTS – Continued

Deposit liabilities (carried at cost):

The fair values disclosed for demand deposits (e.g., interest and noninterest checking, passbook savings and money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts).  Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered in the market on certificates to a schedule of aggregated expected monthly maturities on time deposits.
 
Short-term borrowings (carried at cost):

The carrying amounts of short-term borrowings approximate their fair values.

Long-term debt (carried at cost):

Fair values of FHLB advances and other long-term borrowings are estimated using discounted cash flow analysis, based on current rates for FHLB advances with similar credit risk characteristics, terms and remaining maturity.  These prices obtained from this active market represent a market value that is deemed to represent the transfer price if the liability were assumed by a third party.

Subordinated debt (carried at cost):

Fair values of junior subordinated debt are estimated using discounted cash flow analysis, based on market rates currently offered on such debt with similar credit risk characteristics, terms and remaining maturity.

Off-balance sheet financial instruments (disclosed at cost):

Fair values for the Company’s off-balance sheet financial instruments (lending commitments and letters of credit) are based on fees currently charged in the market to enter into similar agreements, taking into account, the remaining terms of the agreements and the counterparties’ credit standing.  They are not shown in the table because the amounts are immaterial.

120
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 20 - FAIR VALUE OF FINANCIAL INSTRUMENTS – Continued

 
  
   
   
Fair Value Measurements
  
 
  
   
   
At December 31, 2013
  
 
  
   
   
Quoted Prices
    
   
 
 
  
   
   
in Active
    
Significant
    
 
 
  
   
   
Markets for
    
Other
    
Significant
  
 
  
   
   
Identical
    
Observable
    
Unobservable
  
 
  
Carrying
    
Estimated
    
Assets
    
Inputs
    
Inputs
  
(In thousands)
  
amount
    
fair value
    
Level 1
    
Level 2
    
Level 3
  
Financial Assets:
  
   
   
   
   
 
Cash and cash  equivalents
  
$
16,844
    
$
16,844
    
$
16,844
    
$
-
    
$
-
  
AFS investment securities
    
308,727
      
308,727
      
49
      
304,053
      
4,625
  
Other investment
    
2,250
      
2,250
      
-
      
-
      
2,250
  
Federal Home Loan Bank stock
    
4,204
      
4,204
      
-
      
-
      
4,204
  
Loans held for sale
    
1,446
      
1,446
      
-
      
-
      
1,446
  
Loans, net
    
352,810
      
349,336
      
-
      
-
      
349,336
  
Accrued interest receivable
    
7,054
      
7,054
      
-
      
7,054
      
-
  
 
                                        
Financial Liabilities:
                                        
Demand deposits
    
60,473
      
60,473
      
-
      
60,473
      
-
  
NOW and money markets
    
210,053
      
210,053
      
-
      
210,053
      
-
  
Savings
    
17,593
      
17,593
      
-
      
17,593
      
-
  
Time deposits
    
240,845
      
239,102
      
-
      
239,102
      
-
  
Short-term borrowings
    
10,000
      
10,000
      
10,000
      
-
      
-
  
Long-term borrowings
    
97,881
      
94,896
      
-
      
94,896
      
-
  
Subordinated debt
    
25,774
      
26,000
      
-
      
26,000
      
-
  
Accrued interest payable
    
965
      
965
      
-
      
965
      
-
  

 
  
   
   
Fair Value Measurements
  
 
  
   
   
At December 31, 2012
  
 
  
   
   
Quoted Prices
    
   
 
 
  
   
   
in Active
    
Significant
    
 
 
  
   
   
Markets for
    
Other
    
Significant
  
 
  
   
   
Identical
    
Observable
    
Unobservable
  
 
  
Carrying
    
Estimated
    
Assets
    
Inputs
    
Inputs
  
(In thousands)
  
amount
    
fair value
    
Level 1
    
Level 2
    
Level 3
  
Financial Assets:
  
   
   
   
   
 
Cash and cash equivalents
  
$
28,802
    
$
28,802
    
$
28,802
    
$
-
    
$
-
  
AFS investment securities
    
349,203
      
349,203
      
47
      
344,992
      
4,164
  
Other investment
    
2,250
      
2,250
      
-
      
-
      
2,250
  
Federal Home Loan Bank stock
    
6,011
      
6,011
      
-
      
-
      
6,011
  
Loans held for sale
    
1,572
      
1,572
      
-
      
-
      
1,572
  
Loans, net
    
326,904
      
330,260
      
-
      
-
      
330,260
  
Accrued interest receivable
    
10,256
      
10,256
      
-
      
10,256
      
-
  
 
                                        
Financial Liabilities:
                                        
Demand deposits
    
58,531
      
58,531
      
-
      
58,531
      
-
  
NOW and money markets
    
223,279
      
223,279
      
-
      
223,279
      
-
  
Savings
    
17,472
      
17,472
      
-
      
17,472
      
-
  
Time deposits
    
255,635
      
251,532
      
-
      
251,532
      
-
  
Long-term borrowings
    
108,333
      
102,824
      
-
      
102,824
      
-
  
Subordinated debt
    
25,774
      
23,837
      
-
      
23,837
      
-
  
Accrued interest payable
    
3,760
      
3,760
      
-
      
3,760
      
-
  

121
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 21 – SEGMENT INFORMATION

FASB ASC Topic 280, “Segment Reporting” (“ASC Topic 280”) established standards for public business enterprises to report information about operating segments in their annual financial statements and requires that those enterprises report selected information about operating segments in subsequent interim financial reports issued to shareholders.  It also established standards for related disclosure about products and services, geographic areas, and major customers.  Operating segments are components of an enterprise, which are evaluated regularly by the chief operating decision makers in deciding how to allocate and assess resources and performance.  The Company’s chief operating decision makers are the Chief Executive Officer (“CEO”) and the Chief Administrative and Risk Officer (“CARO”). The Company has identified its reportable operating segments as “Community Banking” and “Tax Liens”.

Community banking

The Company’s Community Banking segment which includes Royal Bank consists of commercial and retail banking and leasing. The Community Banking business segment is managed as a single strategic unit which generates revenue from a variety of products and services provided by Royal Bank.  For example, commercial lending is dependent upon the ability of Royal Bank to fund cash needed to make loans with retail deposits and other borrowings and to manage interest rate and credit risk.

Tax lien operation

The Company’s Tax Lien Operation consists of purchasing delinquent tax certificates from local municipalities at auction and then processing those liens to either encourage the property holder to pay off the lien, or to foreclose and sell the property.   The tax lien operation earns income based on interest rates (determined at auction) and penalties assigned by the municipality, along with gains the on sale of foreclosed properties.

Selected segment information and reconciliations to consolidated financial information are as follows:

(In thousands)
  
Community
    
Tax Lien
    
 
December 31, 2013
  
Banking
    
Operation
    
Consolidated
  
 
  
   
   
 
Total assets
  
$
707,022
    
$
26,228
    
$
733,250
  
Total deposits
    
528,964
      
-
      
528,964
  
 
                        
Interest income
  
$
25,097
    
$
2,427
    
$
27,524
  
Interest expense
    
5,899
      
1,458
      
7,357
  
Net interest income
    
19,198
      
969
      
20,167
  
(Credit) provision for loan and lease losses
    
(1,459
)
    
587
      
(872
)
Total non-interest income
    
5,476
      
1,388
      
6,864
  
Total non-interest expenses
    
21,959
      
4,371
      
26,330
  
Income tax (benefit) expense
    
42
      
-
      
42
  
Net income (loss)
  
$
4,132
    
$
(2,601
)
  
$
1,531
  
Noncontrolling interest
    
462
      
(1,040
)
    
(578
)
Net income (loss) attributable to Royal Bancshares
  
$
3,670
    
$
(1,561
)
  
$
2,109
  

122
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 21 – SEGMENT INFORMATION – Continued

(In thousands)
  
Community
    
Tax Lien
    
 
December 31, 2012
  
Banking
    
Operation
    
Consolidated
  
 
  
   
   
 
Total assets
  
$
732,137
    
$
37,318
    
$
769,455
  
Total deposits
    
554,917
      
-
      
554,917
  
 
                        
Interest income
  
$
26,956
    
$
5,025
    
$
31,981
  
Interest expense
    
7,202
      
2,697
      
9,899
  
Net interest income
    
19,754
      
2,328
      
22,082
  
Provision for loan and lease losses
    
5,177
      
820
      
5,997
  
Total non-interest income
    
2,868
      
741
      
3,609
  
Total non-interest expenses
    
31,118
      
5,206
      
36,324
  
Income tax (benefit) expense
    
(28
)
    
28
      
-
  
Net loss
  
$
(13,645
)
  
$
(2,985
)
  
$
(16,630
)
Noncontrolling interest
    
189
      
(1,194
)
    
(1,005
)
Net loss attributable to Royal Bancshares
  
$
(13,834
)
  
$
(1,791
)
  
$
(15,625
)

Interest income earned by the Community Banking segment related to the Tax Lien Operation was approximately $1.5 million and $2.7 million for the years ended December 31, 2013 and 2012, respectively.

NOTE 22 - CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY

Condensed financial information for the parent company only follows.

CONDENSED BALANCE SHEETS
 
 
  
As of December 31,
  
(In thousands)
  
2013
    
2012
  
Assets
  
   
 
Cash
  
$
1,333
    
$
4,739
  
Investment in non-bank subsidiaries
    
29,795
      
25,830
  
Investment in Royal Bank
    
42,165
      
44,725
  
Other assets
    
15
      
238
  
Total assets
  
$
73,308
    
$
75,532
  
Subordinated debentures
  
$
25,774
    
$
25,774
  
Stockholders' equity
    
47,534
      
49,758
  
Total liabilities and stockholders' equity
  
$
73,308
    
$
75,532
  
123
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 22 - CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY - Continued

CONDENSED STATEMENTS OF OPERATIONS

 
  
For the years ended December 31,
  
(In thousands)
  
2013
    
2012
  
Income
  
   
 
Other income
  
$
25
    
$
20
  
Total Income
    
25
      
20
  
Expenses
                
Other expenses
    
499
      
697
  
Interest on subordinated debentures
    
809
      
683
  
Total Expenses
    
1,308
      
1,380
  
 
                
Loss before income taxes and equity in undistributed net loss
    
(1,283
)
    
(1,360
)
Income tax expense
    
-
      
-
  
Equity in undistributed net income (loss)
    
3,392
      
(14,265
)
Net income (loss)
  
$
2,109
    
$
(15,625
)
 
CONDENSED STATEMENTS OF CASH FLOWS

 
  
For the years ended December 31,
  
(In thousands)
  
2013
    
2012
  
Cash flows from operating activities
  
   
 
Net income (loss)
  
$
2,109
    
$
(15,625
)
Adjustments to reconcile net income (loss) to net cash used in operating activities:
                
Undistributed losses from subsidiaries
    
(3,392
)
    
14,265
  
Interest on subordinated debentures
    
(2,419
)
    
683
  
Net cash used in operating activities
    
(3,702
)
    
(677
)
 
                
Net cash provided by  investing activities
    
-
      
-
  
Cash flows from financing activities
                
Loan payoffs
   
-
      
130
  
Other, net
    
296
      
185
  
Net cash provided by financing activities
    
296
      
315
  
Net decrease in cash and cash equivalents
    
(3,406
)
    
(362
)
Cash and cash equivalents at beginning of period
    
4,739
      
5,101
  
Cash and cash equivalents at end of period
  
$
1,333
    
$
4,739
  

124
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 23 - SUMMARY OF QUARTERLY RESULTS (UNAUDITED)

The following summarizes the consolidated results of operations during 2013 and 2012, on a quarterly basis, for the Company:

 
  
For the year ended December 31, 2013
  
(In thousands, except per share data)
  
Fourth
Quarter
    
Third
Quarter
    
Second
Quarter
    
First
Quarter
  
Interest income
  
$
7,069
    
$
6,960
    
$
6,743
    
$
6,752
  
Net interest income
    
5,379
      
5,070
      
4,946
      
4,772
  
(Credit) provision for loan and lease losses
    
(676
)
    
218
      
(163
)
    
(251
)
Net interest income after provision
    
6,055
      
4,852
      
5,109
      
5,023
  
Other income
    
2,558
      
1,937
      
961
      
1,408
  
Other expenses
    
6,333
      
6,290
      
7,567
      
6,140
  
Income (loss) before income tax
    
2,280
      
499
      
(1,497
)
    
291
  
Income tax expense
    
42
      
-
      
-
      
-
  
Net income (loss) from continuing operations
  
$
2,238
    
$
499
    
$
(1,497
)
  
$
291
  
Less net (loss) income attributable to noncontrolling interest
    
(214
)
    
157
      
(694
)
    
173
  
Net income (loss) attributable to Royal Bancshares of Pennsylavania, Inc.
  
$
2,452
    
$
342
    
$
(803
)
  
$
118
  
Net income (loss) available to common shareholders
  
$
1,930
    
$
(178
)
  
$
(1,321
)
  
$
(397
)
Net income (loss) per common share
                                
Basic and diluted
  
$
0.14
    
$
(0.01
)
  
$
(0.10
)
  
$
(0.03
)

Operating results for the fourth quarter of 2013 amounted to net income of $2.4 million compared to a net loss of $8.0 million for the fourth quarter of 2012. The year over year improvement in the quarterly results was primarily related to a $3.6 million drop in credit related expenses, a $3.3 million decrease in the provision for loan and lease losses, a $1.5 million decline in OTTI charges, $1.3 million in gains on the sale of two Company owned buildings and an increase in net interest income of $578,000. The progress achieved in credit quality and declining level of non-performing assets directly impacted OREO and loan collection expenses and the provision.  The growth in net interest income was primarily attributed to a reduction in interest expense coupled with an increase in the yield on investments.
125
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
 
NOTE 23 - SUMMARY OF QUARTERLY RESULTS (UNAUDITED) – Continued

 
  
For the year ended December 31, 2012
  
(In thousands, except per share data)
  
Fourth Quarter
    
Third Quarter
    
Second Quarter
    
First Quarter
  
Interest income
  
$
6,991
    
$
7,761
    
$
8,423
    
$
8,806
  
Net interest income
    
4,801
      
5,382
      
5,906
      
5,993
  
Provision for loan and lease losses
    
2,637
      
1,761
      
1,515
      
84
  
Net interest income after provision
    
2,164
      
3,621
      
4,391
      
5,909
  
Other  income
    
(148
)
    
1,151
      
1,945
      
661
  
Other expenses
    
10,256
      
9,409
      
8,592
      
8,067
  
Loss before income tax
    
(8,240
)
    
(4,637
)
    
(2,256
)
    
(1,497
)
Net loss
  
$
(8,240
)
  
$
(4,637
)
  
$
(2,256
)
  
$
(1,497
)
Less net (loss) income attributable to noncontrolling interest
    
(246
)
    
175
      
(306
)
    
(628
)
Net loss attributable to Royal Bancshares of Pennsylavania, Inc.
  
$
(7,994
)
  
$
(4,812
)
  
$
(1,950
)
  
$
(869
)
Net loss available to common shareholders
  
$
(8,507
)
  
$
(5,323
)
  
$
(2,458
)
  
$
(1,375
)
Net loss per common share
                                
Basic and diluted
  
$
(0.64
)
  
$
(0.40
)
  
$
(0.19
)
  
$
(0.10
)

126
ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE

None.            

ITEM 9A.   CONTROLS AND PROCEDURES

The Company maintains a set of disclosure controls and procedures that are designed to ensure that information required to be disclosed in reports filed under the Securities Exchange Act of 1934, as amended (the “Exchange Act”), is recorded, processed, summarized and reported within the time periods specified in the Securities and Exchange Commission’s rules and forms. As of the end of the period covered by this report, the Company evaluated, under the supervision and with the participation of our management, including our Chief Executive Officer (“CEO”) and Chief Financial Officer (“CFO”), the effectiveness of the design and operation of our disclosure controls and procedures, as defined in Rule 13a-15(e) of the Exchange Act.  Based on that evaluation our CEO and CFO concluded that the Company’s disclosure controls and procedures were not effective as of December 31, 2013 as a result of the material weakness relating to internal controls over financial reporting for income taxes described below.

Changes in Internal Control over Financial Reporting

There have been no changes in the Company’s internal control over financial reporting during the fourth quarter of 2013 that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.

Management’s Report on Internal Control Over Financial Reporting

The Company’s management is responsible for establishing and maintaining adequate internal control over financial reporting, as such term is defined in Rule 13a-15(f) of the Exchange Act.  The Company’s management, with the participation of the Company’s principal executive officer and principal financial officer, has assessed the effectiveness of our internal control over financial reporting based on the 1992 framework in Internal Control-Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (“COSO”).

Based on its assessment under the COSO framework, the Company’s management concluded that the Company’s control over financial reporting was not effective as of December 31, 2013.  Management identified a material weakness in internal controls over financial reporting for income taxes. The Company’s procedures and controls related to financial reporting were not effective to ensure that amounts related to a net income tax receivable were accurate.  The Company outsources to a third party CPA firm the preparation of annual tax returns.  Specifically the Company did not have procedures in place to review the CPA firm’s supporting work papers, to reconcile tax payments made by the Company and refunds received from the IRS, and to reconcile the numerous amended tax returns for tax years 2005 through 2007.  These amended returns were filed during the time period 2008 through 2011. In the fourth quarter of 2013, after an IRS joint committee closed their review of amended returns, management determined that a cumulative net income tax receivable, which had been created by carrying back net losses from 2008 through 2009, would not be realized.

A material weakness is a deficiency, or a combination of deficiencies, in internal control over financial reporting, such that there is a reasonable possibility that a material misstatement of the company’s annual or interim financial statements will not be prevented or detected on a timely basis. To remediate the weakness identified above with respect to internal controls related to the accounting for income taxes, the Company has engaged a nationally recognized independent public accounting firm to review and improve the Company’s accounting procedures related to income taxes.

There are inherent limitations to the effectiveness of any controls system.  A controls system, no matter how well designed and operated, can provide only reasonable, not absolute, assurance that its objectives are met. Further, the design of a control system must reflect the fact that there are limits on resources, and the benefits of controls must be considered relative to their costs and their impact on the business model.

127
This annual report does not include an attestation report of the Company’s registered accounting firm regarding internal control over financial reporting.  Management’s report was not subject to attestation by the Company’s registered public accounting firm pursuant to the Dodd-Frank Act, which permits smaller reporting companies, such as the Company, to provide only management’s report in this annual report.
 
ITEM 9B.   OTHER INFORMATION

None.

PART III.

ITEM 10.  DIRECTORS,  EXECUTIVE OFFICERS, AND CORPORATE GOVERNANCE


The information required in this Item, relating to directors, executive officers, and control persons is set forth in the Company’s Proxy Statement to be used in connection with the 2014 Annual Meeting of Shareholders under the captions “Information About Nominees, Continuing Directors and Executive Officers,” “ Section 16(a) Beneficial Ownership Reporting Compliance,” “Meetings and Committees of the Board of Directors,” and “Interests of Management and Others in Certain Transactions,” which pages are incorporated herein by reference.

ITEM 11.  EXECUTIVE COMPENSATION

The information required by this Item, relating to executive compensation, is set forth in the Company’s Proxy Statement to be used in connection with the 2014 Annual Meeting of Shareholders, under the captions “Summary Compensation Table,” “Grants of Plan-Based Awards – 2013,” “Outstanding Equity Awards Table,” “Option Exercises and Stock Vested Table,” “Retirement Plans,” “Non-Qualified Deferred Compensation Plans,” “Other Potential Post-Employment Payments,” “Director Compensation Table,” “Outstanding Options Held by Directors,” and “Compensation Committee Report,” which pages are incorporated herein by reference.

In the TARP CPP Agreement, the Company agreed that, until such time as Treasury ceases to own any debt or preferred equity securities of the Company acquired pursuant to the Purchase Agreement, the Company will take all necessary action to ensure that its benefit plans with respect to its senior executive officers comply with Section 111(b) of the Emergency Economic Stabilization Act of 2008, as it may be amended from time to time (the “EESA”), and any rules or regulations promulgated thereunder, and has agreed to not adopt any benefit plans with respect to, or which covers, its senior executive officers that do not comply with the EESA any rules or regulations promulgated thereunder, and the applicable executives have consented to the foregoing.

ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDERS MATTERS

The information required by this Item, relating to beneficial ownership of the Registrant’s Common Stock, is set forth in the Company’s Proxy Statement to be used in connection with the 2014 Annual Meeting of Shareholders, under the captions “Principal Shareholders” and “Information About Nominees, Continuing Directors and Executive Officers,” which pages are incorporated herein by reference.
128
Securities Authorized for Issuance Under Equity Compensation Plans

The following tables provide certain information regarding securities issued or issuable under the Company’s equity compensation plans as of December 31, 2013:

Outside Director Stock Option Plan
  
Number of Securities to
be issued upon
exercise of
outstanding options,
warrants and rights
    
Weighted average
exercise price of
outstanding options,
warrants and rights
    
Number of securities
remaining available for
issuance under equity
plans (excluding
securities reflected in
first column)
  
 
  
   
   
 
Equity compensation plan approved by security holders
    
25,670
    
$
22.00
      
-
  
Equity compensation plan not approved by security holders
    
-
      
-
      
-
  
Total
    
25,670
    
$
22.00
      
-
  

Employee Stock Option Plan
  
Number of Securities to be issued upon exercise of
outstanding options,
warrants and rights
    
Weighted average
exercise price of
outstanding options,
warrants and rights
    
Number of securities
remaining available for issuance under equity plans (excluding
securities reflected in
first column)
  
 
  
   
   
 
Equity compensation plan approved by security holders
    
82,780
    
$
22.06
      
-
  
Equity compensation plan not approved by security holders
    
-
      
-
      
-
  
Total
    
82,780
    
$
22.06
      
-
  

Long Term Incentive Plan
  
Number of Securities to be issued upon exercise of
outstanding options,
warrants and rights
    
Weighted average
exercise price of
outstanding options,
warrants and rights
    
Number of securities
remaining available for issuance under equity plans (excluding
securities reflected in
first column)
  
 
  
   
   
 
Equity compensation plan approved by security holders
    
89,836
    
$
7.95
      
793,928
  
Equity compensation plan not approved by security holders
    
-
      
-
      
-
  
Total
    
89,836
    
$
7.95
      
793,928
  

ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE

The information required by this Item, relating to transactions with management and others, certain business relationships and indebtedness of management, is set forth in the Company’s Proxy Statement to be used in connection with the 2014 Annual Meeting of Shareholders, under the caption “Interests of Management and Others in Certain Transactions,” which pages are incorporated herein by reference.

ITEM 14.  PRINCIPAL ACCOUNTING FEES AND SERVICES

The information required by this item appears under the caption “Audit Committee Report” of the Proxy Statement to be used in connection with the 2014 Annual Meeting of Shareholders, which pages are incorporated herein by reference.

129
PART IV

ITEM 15.  EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K
 
(a.)
1.
Financial Statements
 
 
 
 
 
The following financial statements are included by reference in Part II, Item 8 hereof.
 
 
Report of Independent Registered Public Accounting Firm
 
 
Consolidated Balance Sheets.
 
 
Consolidated Statements of Operations.
 
 
Consolidated Statements of Changes in Shareholders’ Equity.
 
 
Consolidated Statement of Cash Flows.
 
 
Notes to Consolidated Financial Statements.
 
 
 
 
2.
Financial Statement Schedules
 
 
Financial Statement Schedules are omitted because the required information is either not applicable, not required or is shown in the respective financial statements or in the notes thereto.
 
(b.)
The following Exhibits are filed herewith or incorporated by reference as a part of this Annual Report.
 
 
3.1
Articles of Incorporation of the Company.  (Incorporated by reference to Exhibit 3.1 to the Company’s Quarterly Report on Form 10-Q for the period ended June 30, 2013.)
 
 
 
 
3.2
Bylaws of the Company.  (Incorporated by reference to Exhibit 3.2 to the Company’s Annual Report on Form 10-K for the year ended December 31, 2008.)
 
 
 
 
4.1
Junior Subordinated Debt Security Due 2034 issued by Royal Bancshares of Pennsylvania, Inc. to JPMorgan Chase Bank, as Institutional Trustee, dated October 27, 2004.  (Incorporated by reference to Exhibit 4.1 to the Company’s Current Report on Form 8-K (included as Exhibit A to Exhibit 10.1) filed with the Commission on November 1, 2004.)
 
 
 
 
4.2
Junior Subordinated Debt Security Due 2034 issued by Royal Bancshares of Pennsylvania, Inc. to JPMorgan Chase Bank, as Institutional Trustee, dated October 27, 2004.  (Incorporated by reference to Exhibit 4.2 to the Company’s Current Report on Form 8-K (included as Exhibit A to Exhibit 10.2) filed with the Commission on November 1, 2004.)
 
 
 
 
4.3
Indenture by and between Royal Bancshares of Pennsylvania, Inc. and JPMorgan Chase Bank, as Trustee, dated October 27, 2004.  (Incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed with the Commission on November 1, 2004.)
 
 
 
 
4.4
Indenture by and between Royal Bancshares of Pennsylvania, Inc. and JPMorgan Chase Bank, as Trustee, dated October 27, 2004.  (Incorporated by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed with the Commission on November 1, 2004.)
 
 
 
 
4.5
Guarantee Agreement by and between Royal Bancshares of Pennsylvania, Inc. and JPMorgan Chase Bank, as Guarantee Trustee, dated October 27, 2004.  (Incorporated by reference to Exhibit 10.3 to the Company’s Current Report on Form 8-K filed with the Commission on November 1, 2004.)
 
 
 
 
4.6
Guarantee Agreement by and between Royal Bancshares of Pennsylvania, Inc. and JPMorgan Chase Bank, as Guarantee Trustee, October 27, 2004.  (Incorporated by reference to Exhibit 10.4 to the Company’s Current Report on Form 8-K filed with the Commission on November 1, 2004.)
130
 
10.1
Stock Option and Appreciation Right Plan. As amended on March 15, 2005 (Incorporated by reference to the Company’s Registration Statement No. 333-135226, on Form S-8 filed with the Commission on June 22, 2006.)*
 
 
 
 
10.2
Outside Directors’ Stock Option Plan. (Incorporated by reference to the Company’s Registration Statement N0. 333-25855, on Form S-8 filed with the Commission on April 5, 1997.)*
 
 
 
 
10.3
Royal Bancshares of Pennsylvania, Inc. 2007 Long-Term Incentive Plan.  (Incorporated by reference to Exhibit A to the Company’s definitive Proxy Statement dated April 6, 2007.)*
 
 
 
 
10.4
Letter Agreement, including Securities Purchase Agreement - Standard Terms, dated December 19, 2008, between Royal Bancshares of Pennsylvania, Inc. and the United States Department of the Treasury.  (Incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed with the Commission on February 26, 2009.)
 
 
 
 
10.5
Side Letter Agreement, dated February 20, 2009, between Royal Bancshares of Pennsylvania, Inc. and the United States Department of the Treasury.  (Incorporated by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed with the Commission on February 26, 2009.)
 
 
 
 
10.6
Form of Letter Agreement, dated December 19, 2008, between Royal Bancshares of Pennsylvania, Inc. and certain of its executive officers relating to executive compensation limitations under the United States Treasury Department’s Capital Purchase Program.* (Incorporated by reference to Exhibit 10.14 to the Company’s Annual Report on Form 10-K for the year ended December 31, 2008 filed on March 30, 2009.)
 
 
 
 
10.7
Employment Agreement, dated November 20, 2013, between the Company, Royal Bank America and Robert A. Kuehl.  (Incorporated by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed on November 27, 2013.)
 
 
 
 
10.8
Employment Agreement, dated November 20, 2013, between the Company, Royal Bank America and F. Kevin Tylus.  (Incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on November 27, 2013.)
 
 
 
 
10.9
Employment Agreement, dated November 20, 2013, between the Company, Royal Bank America and Andrew J. Miller.  (Incorporated by reference to Exhibit 10.3 to the Company’s Current Report on Form 8-K filed on November 27, 2013.)
 
 
 
 
10.10
Employment Agreement, dated November 20, 2013, between the Company, Royal Bank America and Michael S. Thompson.  (Incorporated by reference to Exhibit 10.4 to the Company’s Current Report on Form 8-K filed on November 27, 2013.)
 
 
 
 
10.11
Investment Agreement dated March 6, 2014, between Emerald Advisers, Inc, and the Company.  (Incorporated by reference to Exhibit 10.2 to the Company’s Current Report on Form 10-K filed on March 11, 2014.)
 
 
 
 
10.12
Securities Purchase Agreement dated March 10, 2014 among the Company and the purchasers named therein.  (Incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on March 11, 2014.)
 
 
 
 
10.13
Registration Rights Agreement, dated March 10, 2014, among the Company and the purchasers named therein.  (Incorporated by reference to Exhibit 10.3 to the Company’s Current Report on Form 8-K filed on March 11, 2014.)
 
 
 
 
10.14
Royal Bank America Supplemental Executive Retirement Plan.  (Incorporated by reference to Exhibit 10.5 to the Company’s Quarterly Report on Form 10-Q filed on November 13, 2009.)
131
 
10.15
SERP Participation Agreement, as amended — Robert Tabas.  (Incorporated by reference to Exhibit 10.6 to the Company’s Quarterly Report on Form 10-Q filed on November 13, 2009.)
 
 
 
 
10.16
SERP Participation Agreement, as amended — Murray Stempel.  (Incorporated by reference to Exhibit 10.8 to the Company’s Quarterly Report on Form 10-Q filed on November 13, 2009.)
 
 
 
 
11.
Statement re: Computation of Earnings Per Share.  (Included at Item 8, hereof, Note 18, “Earnings Per Common Share”.)
 
 
 
 
Subsidiaries of Registrant.
 
 
 
 
Consent of Independent Registered Public Accounting Firm.
 
 
 
 
Rule 13a-14(a)/15-d-14(a) Certification of Principal Executive Officer
 
 
 
 
Rule 13a-14(a)/15-d-14(a) Certification of Principal Financial Officer
 
 
 
 
Section 1350 Certification of Principal Executive Officer.
 
 
 
 
Section 1350 Certification of Principal Financial Officer.
 
 
 
 
Certification of Principal Executive Officer pursuant to the Emergency Economic Stabilization Act of 2008.
 
 
 
 
Certification of Principal Financial Officer pursuant to the Emergency Economic Stabilization Act of 2008.
 
 
 
 
101
Interactive Data File

 
*
Denotes compensation plan or arrangement.
132
SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
 
ROYAL BANCSHARES OF PENNSYLVANIA, INC.
 
By: /s/ F. Kevin Tylus
By: /s/ Michael S. Thompson
F. Kevin Tylus
Michael S. Thompson
President and Chief Executive Officer
Chief Financial Officer
(Principal Executive Officer)
(Principal Financial Officer
 
and Principal Accounting Officer)
March 27, 2014
March 27, 2014

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated.

SIGNATURES

By: /s/ Robert R. Tabas
By: /s/ F. Kevin Tylus
Robert R. Tabas
F. Kevin Tylus
Chairman of the Board
President and Chief Executive Officer/Director
March 27, 2014
March 27, 2014
 
 
By: /s/ Edward F. Bradley
By: /s/ William Hartman
Edward F. Bradley
William Hartman
Director
Lead Independent Director
March 27, 2014
March 27, 2014
 
 
By: /s/ Wayne R. Huey, Jr.
By: /s/ Michael Piracci
Wayne R. Huey, Jr
Michael Piracci
Director
Director
March 27, 2014
March 27, 2014
 
 
By: /s/ Linda Tabas Stempel
By: /s/ Murray Stempel, III
Linda Tabas Stempel
Murray Stempel, III
Director
Director
March 27, 2014
March 27, 2014
 
 
By: /s/ Edward B. Tepper
By: /s/ Gerard M. Thomchick
Edward B. Tepper
Gerard M. Thomchick
Director
Director
March 27, 2014
March 27, 2014
 
 
By: /s/ Howard Wurzak
 
Howard Wurzak
 
Director
 
March 27, 2014
 
 
 
133
 EX-21 2 ex21.htm EXHIBIT 21
EXHIBIT 21
SUBSIDIARIES OF REGISTRANT

Company
State
 
 
Royal Bank America
Pennsylvania
Royal Investments of Delaware, Inc.
Delaware
Royal Real Estate of Pennsylvania, Inc.
Pennsylvania
Crusader Servicing Corporation
Pennsylvania
Royal Investments America, LLC
Pennsylvania
Royal Bancshares Capital Trust I
Delaware
Royal Bancshares Capital Trust II
Delaware
Royal Bank America Leasing, LP
Pennsylvania
RBA Capital, LP
Pennsylvania
Royal Tax Lien Services, LLC
Pennsylvania
Royal Preferred, LLC
Delaware
RBA Property LLC
Pennsylvania
Narberth Property Acquisition LLC
Pennsylvania
Rio Marina LLC
New Jersey
 
 
 EX-23 3 ex23.htm EXHIBIT 23
EXHIBIT 23
 
Consent of Independent Registered Public Accounting Firm
 
Royal Bancshares of Pennsylvania, Inc. and subsidiaries
Narberth, Pennsylvania

We hereby consent to the incorporation by reference in the Registration Statements No. 333-129894, No. 333-25855 and No. 333-135226 on Form S-8 of Royal Bancshares of Pennsylvania, Inc. and subsidiaries of our report dated March ­­­­27, 2014, relating to the consolidated financial statements of Royal Bancshares of Pennsylvania, Inc. appearing in Royal Bancshares of Pennsylvania, Inc.’s Annual Report on Form 10-K for the year ended December 31, 2013.

/s/ ParenteBeard LLC
 
 
ParenteBeard LLC
 
Philadelphia, Pennsylvania
 
March 27, 2014
 
 
 
 EX-31.1 4 ex31_1.htm EXHIBIT 31.1
Exhibit 31.1
 
CERTIFICATION
I, F. Kevin Tylus, certify that:

1. I have reviewed this report on Form 10-K of Royal Bancshares of Pennsylvania, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial  statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and15(d)-15(f)) for the registrant and have:
(a) Designed such disclosure controls and procedures, or caused such disclosure controls to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
(c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures as of the end of the period covered by this report based on such evaluation; and
(d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting.

5. The  registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of registrant’s board of directors (or persons performing the equivalent functions):
(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and
(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Dated: March 27, 2014
 
 
/s/ F. Kevin Tylus
 
F. Kevin Tylus
 
Principal Executive Officer
 

 

 EX-31.2 5 ex31_2.htm EXHIBIT 31.2
Exhibit 31.2

CERTIFICATION

I, Michael S. Thompson, certify that:

 
1.
I have reviewed this report on Form 10-K of Royal Bancshares of Pennsylvania, Inc;

 
2.
Based on my knowledge, this report does not contain any untrue statement of a material fact or  omit to state a material fact necessary to make the statements made, in light of the circumstances  under which such statements were made, not misleading with respect to the period covered by this report;

 
3.
Based on my knowledge, the financial  statements, and other financial information included in this  report, fairly present in all material respects the financial condition, results of operations and cash  flows of the registrant as of, and for, the periods presented in this report;

 
4.
The registrant’s other certifying officer and I are responsible for establishing and maintaining  disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e))and  internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15(d)-15(f)) for the registrant and have:
 
a)
Designed such disclosure controls and procedures, or caused such disclosure controls to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared:
 
b)
Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
 
c)
Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures as of the end of the period covered by this report based on such evaluation; and
 
d)
Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect,  the registrant’s internal control over financial reporting.

 
5.
The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of  internal control over financial reporting, to the registrant’s auditors and the audit committee of  registrant’s board of directors (or persons performing the equivalent functions):
a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report information; and
b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.
 
Dated: March 27, 2014
 
 
 
/s/ Michael S. Thompson
 
Michael S. Thompson
 
Principal Financial Officer and Principal Accounting Officer
 
 
 
 EX-32.1 6 ex32_1.htm EXHIBIT 32.1
Exhibit 32.1

CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350
AS ADDED BY
SECTION 906 OF THE SARBANES-OXLEY ACT 2002
 
In connection with the Annual Report of Royal Bancshares a Pennsylvania, Inc. (“Royal”) on Form 10-K for the period ended December 31, 2013, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, F. Kevin Tylus, Principal Executive Officer, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

1. The Report fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934; and

2. The information  contained in the Report fairly presents, in all material respects, the financial condition and results of operations of Royal as of the dates and for the periods expressed in the Report.

/s/ F. Kevin Tylus
 
F. Kevin Tylus
 
Principal Executive Officer
 
March 27, 2014
 

The foregoing certification is being furnished solely pursuant to 18 U.S.C. Section 1350 and is not being filed as part of the Report or as a separate disclosure document.
 
 
 EX-32.2 7 ex32_2.htm EXHIBIT 32.2
Exhibit 32.2

CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350
AS ADDED BY
SECTION 906 OF THE SARBANES-OXLEY ACT 2002


In connection with the Annual Report of Royal Bancshares of Pennsylvania, Inc. (“Royal”) on Form 10-K for the period ended December 31, 2013, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Michael S. Thompson, Principal Financial Officer and Principal Accounting Officer, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

 
1
The Report fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934; and

 
2
The information  contained in the Report fairly presents, in all material respects, the financial condition and results of operations of Royal as of the dates and for the periods expressed in the Report.

/s/ Michael S. Thompson
 
Michael S. Thompson
 
Principal Financial Officer and Principal Accounting Officer
 
March 27, 2014
 

The foregoing certification is being furnished solely pursuant to 18 U.S.C. Section 1350 and is not being filed as part of the Report or as a separate disclosure document.
 
 
 EX-99.1 8 ex99_1.htm EXHIBITS 99.1
Exhibit 99.1
 
CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER PURSUANT TO THE EMERGENCY ECONOMIC STABILIZATION ACT OF 2008.
 
I, F. Kevin Tylus, certify, based on my knowledge, that:
 
(i) The compensation committee of Royal Bancshares of Pennsylvania, Inc. (“Royal”) has discussed, reviewed, and evaluated with senior risk officers at least every six months during any part of the most recently completed fiscal year that was a TARP period (the “applicable period”), the senior executive officer (“SEO”) compensation plans and the employee compensation plans and the risks these plans pose to Royal;
 
(ii) The compensation committee of Royal has identified and limited during the applicable period any features of the SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of Royal, and during that same applicable period has identified any features of the employee compensation plans that pose risks to Royal and has limited those features to ensure that Royal is not unnecessarily exposed to risks;
 
(iii) The compensation committee has reviewed, at least every six months during the applicable period, the terms of each employee compensation plan and identified any features of the plan that could encourage the manipulation of reported earnings of Royal to enhance the compensation of an employee, and has limited any such features;
 
(iv) The compensation committee of Royal will certify to the reviews of the SEO compensation plans and employee compensation plans required under (i) and (iii) above;
 
(v) The compensation committee of Royal will provide a narrative description of how it limited during any part of the most recently completed fiscal year that included a TARP period the features in (A) SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of Royal; (B) Employee compensation plans that unnecessarily expose Royal to risks; and (C) Employee compensation plans that could encourage the manipulation of reported earnings of Royal to enhance the compensation of an employee;
 
(vi) Royal has required that bonus payments to SEOs and any of the twenty next most highly compensated employees, as defined in the regulations and guidance established under section 111 of EESA (bonus payments), be subject to a recovery or “clawback” provision during any part of the most recently completed fiscal year that was a TARP period if the bonus payments were based on materially inaccurate financial statements or any other materially inaccurate performance metric criteria;
 
(vii) Royal has prohibited any golden parachute payment, as defined in the regulations and guidance established under section 111 of EESA, to an SEO or any of the next five most highly compensated employees during any part of the most recently completed fiscal year that was a TARP period;
 
(viii) Royal has limited bonus payments to its applicable employees in accordance with section 111 of EESA and the regulations and guidance established thereunder during any part of the most recently completed fiscal year that was a TARP period;
 
(ix) Royal and its employees have complied with the excessive or luxury expenditures policy, as defined in the regulations and guidance established under section 111 of EESA, during the applicable period; and any expenses requiring approval of the board of directors, a committee of the board of directors, an SEO, or an executive officer with a similar level of responsibility were properly approved;
 
(x) Royal will permit a non-binding shareholder resolution in compliance with any applicable Federal securities rules and regulations on the disclosures provided under the Federal securities laws related to SEO compensation paid or accrued during the applicable period;
(xi) Royal will disclose the amount, nature, and justification for the offering during the applicable period of any perquisites, as defined in the regulations and guidance established under section 111 of EESA, whose total value exceeds $25,000 for any employee who is subject to the bonus payment limitations identified in paragraph (viii);
 
(xii) Royal will disclose whether Royal, the board of directors of Royal, or the compensation committee of Royal has engaged during the applicable period, a compensation consultant; and the services the compensation consultant or any affiliate of the compensation consultant provided during this period;
 
(xiii) Royal has prohibited the payment of any gross-ups, as defined in the regulations and guidance established under section 111 of EESA, to the SEOs and the next twenty most highly compensated employees during the applicable period;
 
(xiv) Royal has substantially complied with all other requirements related to employee compensation that are provided in the agreement between Royal and Treasury, including any amendments;
 
(xv) Royal has submitted to Treasury a complete and accurate list of the SEOs and the twenty next most highly compensated employees for the current fiscal year, with the non-SEOs ranked in descending order of level of annual compensation, and with the name, title, and employer of each SEO and most highly compensated employee identified; and
 
(xvi) I understand that a knowing and willful false or fraudulent statement made in connection with this certification may be punished by fine, imprisonment, or both.

/s/ F. Kevin Tylus
 
Date:  March 27, 2014
F. Kevin Tylus
 
 
Principal Executive Officer
 
 
Royal Bancshares of Pennsylvania, Inc.
 
 
 
 
 EX-99.2 9 ex99_2.htm EXHIBIT 99.2
Exhibit 99.2
 
CERTIFICATION OF PRINCIPAL FINANCIAL OFFICER PURSUANT TO THE EMERGENCY ECONOMIC STABILIZATION ACT OF 2008.
 
I, Michael S. Thompson, certify, based on my knowledge, that:
 
(i) The compensation committee of Royal Bancshares of Pennsylvania, Inc. (“Royal”) has discussed, reviewed, and evaluated with senior risk officers at least every six months during any part of the most recently completed fiscal year that was a TARP period (the “applicable period”), the senior executive officer (“SEO”) compensation plans and the employee compensation plans and the risks these plans pose to Royal;
 
(ii) The compensation committee of Royal has identified and limited during the applicable period any features of the SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of Royal, and during that same applicable period has identified any features of the employee compensation plans that pose risks to Royal and has limited those features to ensure that Royal is not unnecessarily exposed to risks;
 
(iii) The compensation committee has reviewed, at least every six months during the applicable period, the terms of each employee compensation plan and identified any features of the plan that could encourage the manipulation of reported earnings of Royal to enhance the compensation of an employee, and has limited any such features;
 
(iv) The compensation committee of Royal will certify to the reviews of the SEO compensation plans and employee compensation plans required under (i) and (iii) above;
 
(v) The compensation committee of Royal will provide a narrative description of how it limited during any part of the most recently completed fiscal year that included a TARP period the features in (A) SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of Royal; (B) Employee compensation plans that unnecessarily expose Royal to risks; and (C) Employee compensation plans that could encourage the manipulation of reported earnings of Royal to enhance the compensation of an employee;
 
(vi) Royal has required that bonus payments to SEOs and any of the twenty next most highly compensated employees, as defined in the regulations and guidance established under section 111 of EESA (bonus payments), be subject to a recovery or “clawback” provision during any part of the most recently completed fiscal year that was a TARP period if the bonus payments were based on materially inaccurate financial statements or any other materially inaccurate performance metric criteria;
 
(vii) Royal has prohibited any golden parachute payment, as defined in the regulations and guidance established under section 111 of EESA, to an SEO or any of the next five most highly compensated employees during any part of the most recently completed fiscal year that was a TARP period;
 
(viii) Royal has limited bonus payments to its applicable employees in accordance with section 111 of EESA and the regulations and guidance established thereunder during any part of the most recently completed fiscal year that was a TARP period;
 
(ix) Royal and its employees have complied with the excessive or luxury expenditures policy, as defined in the regulations and guidance established under section 111 of EESA, during the applicable period; and any expenses requiring approval of the board of directors, a committee of the board of directors, an SEO, or an executive officer with a similar level of responsibility were properly approved;
 
(x) Royal will permit a non-binding shareholder resolution in compliance with any applicable Federal securities rules and regulations on the disclosures provided under the Federal securities laws related to SEO compensation paid or accrued during the applicable period;
(xi) Royal will disclose the amount, nature, and justification for the offering during the applicable period of any perquisites, as defined in the regulations and guidance established under section 111 of EESA, whose total value exceeds $25,000 for any employee who is subject to the bonus payment limitations identified in paragraph (viii);
 
(xii) Royal will disclose whether Royal, the board of directors of Royal, or the compensation committee of Royal has engaged during the applicable period, a compensation consultant; and the services the compensation consultant or any affiliate of the compensation consultant provided during this period;
 
(xiii) Royal has prohibited the payment of any gross-ups, as defined in the regulations and guidance established under section 111 of EESA, to the SEOs and the next twenty most highly compensated employees during the applicable period;
 
(xiv) Royal has substantially complied with all other requirements related to employee compensation that are provided in the agreement between Royal and Treasury, including any amendments;
 
(xv) Royal has submitted to Treasury a complete and accurate list of the SEOs and the twenty next most highly compensated employees for the current fiscal year, with the non-SEOs ranked in descending order of level of annual compensation, and with the name, title, and employer of each SEO and most highly compensated employee identified; and
 
(xvi) I understand that a knowing and willful false or fraudulent statement made in connection with this certification may be punished by fine, imprisonment, or both.

/s/ Michael S. Thompson
Date: March 27, 2014
 
 
Michael S. Thompson
 
Principal Financial Officer and Principal Accounting Officer
 
Royal Bancshares of Pennsylvania, Inc.
 

 
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vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 5%; vertical-align: bottom;">&#160;</td><td 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5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 5%; vertical-align: bottom;">&#160;</td><td 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valign="bottom" style="text-align: right; background-color: #ffffff; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; 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style="background-color: #cceeff; width: 20%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; 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Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 4px double; text-align: right; background-color: #ffffff; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">28,828</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 4px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="background-color: #cceeff; width: 20%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; 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valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; 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font-size: 10pt;"><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">NOTE 13 &#8211; LEGAL CONTINGENCIES</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Royal Bank had a 60% equity interest in each of CSC and RTL.&#160; CSC and RTL acquired, through public auction, delinquent tax liens in various jurisdictions thereby assuming a superior lien position to most other lien holders, including mortgage lien holders.&#160;&#160; On March 4, 2009, each of CSC and RTL received grand jury subpoenas issued by the U.S. District Court for New Jersey (&#8220;Court&#8221;) upon application of the Antitrust Division of the United States DOJ.&#160; On February 23, 2012, the former President of CSC and RTL entered a plea of guilty to one count of conspiring to rig bids at certain auctions for tax liens in New Jersey from 1998 until approximately the spring of 2009.&#160; On September 26, 2012, as a result of the former President&#8217;s guilty plea and pursuant to a plea agreement with the DOJ, CSC entered a guilty plea in the United States District Court for the District of New Jersey to one count of conspiracy to commit bid-rigging at certain auctions for tax liens in New Jersey.&#160; Under the terms of the Court accepted plea agreement, the DOJ agreed not to bring further criminal charges against CSC and not to bring criminal charges against RTL, or any current or former director, officer, or employee of CSC and/or RTL, for any act or offense committed prior to the date of the plea agreement that was in furtherance of any agreement to rig bids at municipal tax lien sales or auctions in the State of New Jersey. The former President of CSC and RTL and any person who bid at any time at a tax lien auction on behalf of CSC and/or RTL are excluded from this non-prosecution protection.&#160; At the sentencing hearing held in December 2012, the sentencing judge agreed with the DOJ&#8217;s recommendation and imposed a $2.0 million fine for CSC.&#160; After adjusting for the noncontrolling interest, the Company&#8217;s 60% share of the fine amounted to $1.2 million.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">In 2012, the former President of CSC and RTL, CSC, RTL and the Company were named defendants, among others, in putative class action lawsuits filed in the U.S. District Court for the District of New Jersey (&#8220;Court&#8221;) on behalf of a proposed class of taxpayers who became delinquent in paying their municipal tax obligations which alleged a conspiracy to rig bids in municipal tax lien auctions.&#160;&#160; On June 12, 2012, the Court entered an Order consolidating for pretrial purposes the actions with all subsequently filed or transferred related actions, collectively referred to as <font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">In re New Jersey Tax Sale Certificates Antitrust Litigation</font>.&#160; On October 22, 2012, the Court appointed two law firms as interim class counsel and another law firm as liaison class counsel and further ordered appointed counsel to a master complaint for the consolidated action.&#160; On December 21, 2012, plaintiffs filed a Consolidated Master Class Action Complaint (the &#8220;Complaint&#8221;) against numerous defendants, including the former President of CSC and RTL, Royal Bancshares of Pennsylvania, Inc., Royal Bank America, CSC and RTL.&#160; The Company filed a motion to dismiss the Complaint on March 8, 2013, which is currently pending before the Court.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">During the second quarter of 2013, the Company accrued a loss contingency of $1.65 million for a potential settlement with the plaintiffs. 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font-size: 10pt;">9,405</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="background-color: #ffffff; width: 56%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 7.2pt; font-size: 10pt;">Impaired LHFI without a valuation allowance</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">14,671</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; 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font-size: 10pt;">2. <font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"><u>Recent Accounting Pronouncements</u></font></div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">In December 2011, the Financial Accounting Standards Board (&#8220;FASB&#8221;) issued Accounting Standards Update (&#8220;ASU&#8221;) No. 2011-11, Balance Sheet (Topic 210): Disclosures about Offsetting Assets and Liabilities (&#8220;ASU 2011-11&#8221;).&#160; Because of the significant differences in requirements under U.S. GAAP and IFRS, FASB and the International Accounting Standards Board (&#8220;IASB&#8221;) are issuing joint requirements that will enhance current disclosures. Entities are required to disclose both gross information and net information about both instruments and transactions eligible for offset in the statement of financial position and instruments and transactions subject to an agreement similar to a master netting arrangement. This scope would include derivatives, sale and repurchase agreements and reverse sale and repurchase agreements, and securities borrowing and securities lending arrangements. The objective of this disclosure is to facilitate comparison between those entities that prepare their financial statements on the basis of U.S. GAAP and those entities that prepare their financial statements on the basis of IFRS. ASU 2011-11 is effective for annual periods beginning on or after January 1, 2013 and interim periods within those annual periods. An entity should provide the disclosures required by these amendments retrospectively for all comparative periods presented. 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The adoption of ASU 2013-04 is not expected to have a significant impact on the Company&#8217;s consolidated financial statements.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">In July 2013, the FASB issued ASU No. 2013-11, Income Taxes (Topic 740):&#160; Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists (&#8220;ASU 2013-11&#8221;).&#160; Currently there is diversity in practice in the presentation of unrecognized tax benefits.&#160; The aim of ASU 2013-11 is to provide guidance on the financial statement presentation of an unrecognized tax benefit when a net operating loss carryforward, similar tax loss, or tax credit carryforward exists. 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font-size: 10pt;">36,590</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">%</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; 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width: 28%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 14.4pt; font-size: 10pt;">At December 31, 2012</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">67,338</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">15.22</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">%</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">35,386</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">%</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">44,233</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">10.00</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">%</div></td></tr><tr><td valign="bottom" style="background-color: #cceeff; width: 28%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 7.2pt; font-size: 10pt;">Tier I capital (to risk-weighted assets)</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="background-color: #ffffff; width: 28%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 14.4pt; font-size: 10pt;">At December 31, 2013</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">65,602</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">14.34</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">%</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">18,295</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">4.00</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">%</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">27,442</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">6.00</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">%</div></td></tr><tr><td valign="bottom" style="background-color: #cceeff; width: 28%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 14.4pt; font-size: 10pt;">At December 31, 2012</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">61,664</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">13.94</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">%</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">17,693</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; 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font-size: 10pt;">26,540</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">6.00</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">%</div></td></tr><tr><td valign="bottom" style="background-color: #ffffff; width: 28%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 7.2pt; font-size: 10pt;">Tier I capital (to average assets, leverage)</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="background-color: #cceeff; width: 28%; vertical-align: bottom;"><div style="text-align: left; 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font-size: 10pt;">554,917</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="background-color: #cceeff; width: 54%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 14.4pt; font-size: 10pt;">Long-term borrowings</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">108,333</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; 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ASC Topic 718 permits entities to use any option-pricing model that meets the fair value objective in the Statement.&#160; The Company recorded compensation expense relating to stock options and restricted stock of $22,000 and $42,000 during 2013 and 2012, respectively.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">At December 31, 2013, the Company had a director stock-based plan, an employee stock-based plan, and a long-term incentive compensation plan, which are more fully described in &#8220;Note 17 &#8211; Stock Compensation Plans&#8221; to the Consolidated Financial Statements.</div><div style="text-align: left;"><br /></div></div> 1.36 20.08 23.00 4.50 23.00 10000000 0 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div><div style="text-align: justify; text-indent: -13.55pt; font-family: ''Times New Roman'', Times, serif; margin-left: 13.55pt; font-size: 10pt;">NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</div><div style="text-align: left;"><br /></div><div style="text-align: justify; 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(the &#8220;Company&#8221;), through its wholly-owned subsidiary Royal Bank America (&#8220;Royal Bank&#8221;) offers a full range of banking services to individual and corporate customers primarily located in the Mid-Atlantic states.&#160; Royal Bank competes with other banking and financial institutions in certain markets, including financial institutions with resources substantially greater than its own.&#160; Commercial banks, savings banks, savings and loan associations, credit unions and brokerage firms actively compete for savings and time deposits and for various types of loans.&#160; Such institutions, as well as consumer finance and insurance companies, may be considered competitors of Royal Bank with respect to one or more of the services it renders.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-style: italic; text-indent: -13.55pt; font-family: ''Times New Roman'', Times, serif; margin-left: 13.55pt; font-size: 10pt; font-weight: bold;"><u>Principles of Consolidation</u></div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries, Royal Investments of Delaware, Inc., Royal Captive Insurance Company, Royal Preferred, LLC, and Royal Bank, including Royal Bank&#8217;s subsidiaries, Royal Real Estate of Pennsylvania, Inc., Royal Investment America, LLC, RBA Property LLC, Narberth Property Acquisition LLC, and Rio Marina LLC. In addition, Royal Bank has a 60% ownership interest in Royal Bank America Leasing, LP.&#160; Royal Bank had a 60% ownership interest in Crusader Servicing Corporation (&#8220;CSC&#8221;) and Royal Tax Lien Services, LLC (&#8220;RTL&#8221;).&#160; Effective December 31, 2013, Royal Bank agreed to a $1.25 million cash settlement with the former President of CSC and RTL, in which Royal Bank acquired his 40% ownership interest in RTL for $850,000.&#160; The former President also relinquished his 20% ownership interest in CSC to Royal Bank. The combined value of the ownership interests was $2.6 million.&#160; The settlement resulted in a $1.5 million gain for Royal Bank which was recorded as an increase to Additional Paid in Capital within Stockholders Equity.&#160; As part of the cash settlement Royal Bank agreed to pay $400,000 for prior tax distributions. Additionally, the settlement agreement also includes a possible tax payment upon completion of the 2013 Forms K-1.&#160; Effective, December 31, 2013, Royal Bank is an 80% owner of CSC and 100% owner of RTL. The two Delaware trusts, Royal Bancshares Capital Trust I and Royal Bancshares Capital Trust II are not consolidated per requirements under Financial Accounting Standards Board (&#8220;FASB&#8221;) Accounting Standards Codification (&#8220;ASC&#8221;) Topic 810, &#8220;Consolidation&#8221; (&#8220;ASC Topic 810&#8221;). These consolidated financial statements reflect the historical information of the Company. 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The Company has a concentration of credit risk in commercial real estate and construction and land development loans at December 31, 2013.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Company classifies its leases as finance leases, in accordance with FASB ASC Topic 840, &#8220;Leases&#8221;. The difference between the Company&#8217;s gross investment in the lease and the cost or carrying amount of the leased property, if different, is recorded as unearned income, which is amortized to income over the lease term by the interest method.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">For all classes of loans receivable, with the exception of tax certificates, the accrual of interest is discontinued on a loan when management believes that the borrower&#8217;s financial condition is such that collection of principal and interest is doubtful or when a loan becomes 90 days past due. When a loan is placed on non-accrual all unpaid interest is reversed from interest income. Interest payments received on impaired nonaccrual loans are normally applied against principal. Excess proceeds received over the principal amounts due on impaired loans are recognized as income on a cash basis.&#160; Generally, loans are restored to accrual status when the loan is brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally six months) and the ultimate collectibility of the total contractual principal and interest is no longer in doubt.&#160; The past due status of all classes of loans receivable is determined based on contractual due dates for loan payments.&#160; Tax certificates have no contractual maturity.&#160; Collection is dependent upon the tax payer&#8217;s redemption of the lien, which includes principal interest and fees.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">A loan modification is deemed a troubled debt restructuring (&#8220;TDR&#8221;) when two conditions are met: 1) the borrower is experiencing financial difficulty and 2) a concession is made by the Company that would not otherwise be considered for a borrower with similar credit risk characteristics.&#160; If in modifying a loan the Company, for economic or legal reasons related to a borrower&#8217;s financial difficulties, grants a concession it would not normally consider then the loan modification is classified as a TDR. All loans classified as TDRs are considered to be impaired.&#160; TDRs are returned to an accrual status when the loan is brought current, has performed in accordance with the contractual restructured terms for a reasonable period of time (generally six months) and the ultimate collectibility of the total contractual restructured principal and interest is no longer in doubt.&#160; The Company&#8217;s policy for TDRs is to recognize interest income on currently performing restructured loans under the accrual method.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Company accounts for guarantees in accordance with FASB ASC Topic 460 &#8220;Guarantees&#8221; (&#8220;ASC Topic 460&#8221;).&#160; ASC Topic 460 requires a guarantor entity, at the inception of a guarantee covered by the measurement provisions of the interpretation, to record a liability for the fair value of the obligation undertaken in issuing the guarantee.&#160; The Company has financial and performance letters of credit.&#160; Financial letters of credit require the Company to make a payment if the customer&#8217;s condition deteriorates, as defined in agreements.&#160; Performance letters of credits require the Company to make payments if the customer fails to perform certain non-financial contractual obligations.</div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;</div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Allowance for Loan and Lease Losses</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Company&#8217;s loan and lease portfolio (the &#8220;credit portfolio&#8221;) is subject to varying degrees of credit risk. The Company maintains an allowance for loan and lease losses (the &#8220;allowance&#8221;) to absorb losses in the loan and lease portfolio. The allowance is based on the review and evaluation of the loan and lease portfolio, along with ongoing, quarterly assessments of the probable losses inherent in that portfolio. The allowance represents an estimation made pursuant to FASB ASC Topic 450, &#8220;Contingencies&#8221; (&#8220;ASC Topic 450&#8221;) or FASB ASC Topic 310, &#8220;Receivables&#8221; (&#8220;ASC Topic 310&#8221;).&#160; The adequacy of the allowance is determined through evaluation of the credit portfolio, and involves consideration of a number of factors, as outlined below, to establish a prudent level.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Determination of the allowance is inherently subjective and requires significant estimates, including estimated losses on pools of homogeneous loans and leases based on historical loss experience and consideration of current economic trends, which may be susceptible to significant change. Loans and leases deemed uncollectible are charged against the allowance, while recoveries are credited to the allowance. Management adjusts the level of the allowance through the provision for loan and lease losses, which is recorded as a current period expense. The Company&#8217;s systematic methodology for assessing the appropriateness of the allowance includes: (1) general reserves reflecting historical loss rates by loan type, (2) specific reserves for risk-rated credits based on probable losses on an individual or portfolio basis and (3) qualitative reserves based upon current economic conditions and other risk factors.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The loan portfolio is stratified into loan segments that have similar risk characteristics. The general allowance is based upon historical loss rates using a three-year rolling average of the historical loss experienced within each loan segment.&#160; The qualitative factors used to adjust the historical loss experience address various risk characteristics of the Company&#8217;s loan and lease portfolio include evaluating: (1) trends in delinquencies and other non-performing loans, (2) changes in the risk profile related to large loans in the portfolio, (3) changes in the growth trends of categories of loans comprising the loan and lease portfolio, (4) concentrations of loans and leases to specific industry segments, (5) changes in economic conditions on both a local and national level, (6) quality of loan review and board oversight, (7) changes in lending policies and procedures, and (8) changes in lending staff. Each factor is assigned a value to reflect improving, stable or declining conditions based on management&#8217;s best judgment using relevant information available at the time of the evaluation. Adjustments to the factors are supported through documentation of changes in conditions in a report accompanying the allowance calculation.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower&#8217;s overall financial condition, repayment sources, guarantors and value of collateral, if appropriate, are evaluated annually for commercial loans or when credit deficiencies arise, such as delinquent loan payments, for commercial and consumer loans.&#160; Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful and loss.&#160; Loans classified as special mention have potential weaknesses that deserve management&#8217;s close attention.&#160; If uncorrected, the potential weaknesses may result in deterioration of the repayment prospects.&#160; Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.&#160; They include loans that are inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any.&#160; Loans classified as doubtful have all the weaknesses inherent in loans classified substandard with the added characteristic that collection or liquidation in full, on the basis of current conditions and facts, is highly improbable.&#160;&#160; Loans classified as a loss are considered uncollectible and are charged to the allowance for loan losses.&#160; Loans not classified are rated pass.<br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The specific reserves are determined utilizing standards required under ASC Topic 310.&#160; A loan is considered impaired when it is probable that interest and principal will not be collected according to the contractual terms of the loan agreement. Non-accrual loans and loans restructured under a TDR are evaluated for impairment on an individual basis considering all known relevant factors that may affect loan collectability such as the borrower&#8217;s overall financial condition, resources and payment record, support available from financial guarantors and the sufficiency of current collateral values (current appraisals or rent rolls for income producing properties), and risks inherent in different kinds of lending (such as source of repayment, quality of borrower and concentration of credit quality). Non-accrual loans that experience insignificant payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#8217;s prior payment record and the amount of the shortfall in relation to the principal and interest owed.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Impairment is measured on a loan by loan basis for commercial and industrial loans, commercial real estate loans and commercial construction loans by either the present value of expected future cash flows discounted at the loan&#8217;s effective interest rate or the fair value of the collateral if the loan is collateral dependent.&#160; The estimated fair values of substantially all of the Company&#8217;s impaired loans are measured based on the estimated fair value of the loan&#8217;s collateral. The Company obtains third-party appraisals or real estate brokers&#8217; opinions (&#8220;BPOs&#8221;) to establish the fair value of real estate collateral.&#160; Appraised values or BPOs are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value. The discounts also include estimated costs to sell the property. For commercial and industrial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower&#8217;s financial statements, inventory reports, accounts receivable aging or equipment appraisals or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. A specific reserve is established for an impaired loan for the amount that the carrying value exceeds its estimated fair value. Once a loan is determined to be impaired it will be deducted from the portfolio balance and the net remaining balance will be used in the general and qualitative analysis.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Based on management&#8217;s comprehensive analysis of the loan and lease portfolio, management believes the current level of the allowance is adequate at December 31, 2013.&#160;&#160; However, its determination requires significant judgment, and estimates of probable losses inherent in the credit portfolio can vary significantly from the amounts actually observed. While management uses available information to recognize probable losses, future changes to the allowance may be necessary.&#160; These changes could be based in the credits comprising the portfolio and changes in the financial condition of borrowers, as the result of changes in economic conditions. In addition, regulatory agencies, as an integral part of their examination process, periodically review the credit portfolio and the allowance. Such review may result in additional provisions based on their judgment of information available at the time of each examination, which may not be currently available to management.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Other Real Estate Owned</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less costs to sell at the date of foreclosure, establishing a new cost basis.&#160; Foreclosed real estate properties acquired through the tax certificate portfolio are transferred at the lower of cost or fair value principally due to uncertainty around the fair value of the foreclosed properties.&#160; Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount recorded at acquisition date or fair value less costs to sell.&#160; Third-party appraisals or agreements of sale are utilized to determine fair value the loan collateral while BPOs, agreements of sale, or in some cases, third-party appraisals are utilized to value properties from the tax certificate portfolio.&#160; Revenue and expenses from operations and changes in the valuation allowance are included in other expenses.&#160; For fair value measurement, OREO is included in level 3 assets.</div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;</div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Premises and Equipment</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Land is carried at cost.&#160; Premises and equipment are stated at cost less accumulated depreciation, which is computed primarily using the modified accelerated cost recovery system (&#8220;MACRS&#8221;) over the estimated useful lives of the assets.&#160; Leasehold improvements are depreciated over the shorter of the estimated useful lives of the improvements or the terms of the related leases.&#160; Expected term includes lease options periods to the extent that the exercise of such options is reasonably assured.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Bank-Owned Life Insurance</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Royal Bank has purchased life insurance policies on certain executives.&#160; These policies are reflected on the consolidated balance sheets at their cash surrender value, or the amount that can be realized.&#160; Income from these policies and changes in the cash surrender value are recorded in other income.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Advertising Costs</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Advertising costs are expensed as incurred.&#160; The Company&#8217;s advertising costs were $209,000 and $127,000 for 2013 and 2012, respectively.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Benefit Plans</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Company has a noncontributory nonqualified, defined benefit pension plan covering certain eligible employees.&#160; The plan provides retirement benefits under pension trust agreements.&#160; The benefits are based on years of service and the employee&#8217;s compensation during the highest three consecutive years during the last 10 years of employment.&#160; Net pension expense consists of service costs and interest costs.&#160; The Company accrues pension costs as incurred.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Company has a capital accumulation and salary reduction plan under Section 401(k) of the Internal Revenue Code of 1986, as amended.&#160; Under the plan, all employees are eligible to contribute up to the maximum allowed by Internal Revenue Service (&#8220;IRS&#8221;) regulation, with the Company matching 100% of any contribution between 1% and 5% subject to a $2,500 per employee annual limit.&#160; During 2013 and 2012, no matching contribution was made as a result of a management decision to reduce costs.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Stock Compensation</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">FASB ASC Topic 718, &#8220;Compensation-Stock Compensation&#8221; (&#8220;ASC Topic 718&#8221;) requires that the compensation cost relating to share-based payment transactions be recognized in consolidated financial statements.&#160; The costs are measured based on the fair value of the equity or liability instruments issued.&#160; ASC Topic 718 covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights, and employee share purchase plans.&#160; The effect of ASC Topic 718 is to require entities to measure the cost of employee services received in exchange for stock options based on the grant-date fair value of the award, and to recognize the cost over the period the employee is required to provide services for the award.&#160; ASC Topic 718 permits entities to use any option-pricing model that meets the fair value objective in the Statement.&#160; The Company recorded compensation expense relating to stock options and restricted stock of $22,000 and $42,000 during 2013 and 2012, respectively.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">At December 31, 2013, the Company had a director stock-based plan, an employee stock-based plan, and a long-term incentive compensation plan, which are more fully described in &#8220;Note 17 &#8211; Stock Compensation Plans&#8221; to the Consolidated Financial Statements.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Trust Preferred Securities</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Royal Bancshares Capital Trust I/II (&#8220;Trusts&#8221;) issued mandatory redeemable preferred stock to investors and loaned the proceeds to the Company.&#160; The Trusts hold, as their sole asset, subordinated debentures issued by the Company in 2004.&#160; The Company does not consolidate the Trusts as ASC Topic 810 precludes consideration of the call option embedded in the preferred stock when determining if the Company has the right to a majority of the Trusts expected returns.&#160; The non-consolidation results in the investment in common stock of the Trusts to be included in other assets with a corresponding increase in outstanding debt of $774,000.&#160; In addition, the income accrued on the Company&#8217;s common stock investments is included in other income.&#160; Refer to &#8220;Note 10 &#8211; Borrowings and Subordinated Debentures&#8221; to the Consolidated Financial Statements for more information.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Income Taxes</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC Topic 740, <font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Income Taxes),</font> which includes guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions. The Company had no material unrecognized tax benefits or accrued interest and penalties as of December 31, 2013 and 2012.&#160; The Company&#8217;s policy is to account for interest as a component of interest expense and penalties as a component of other expense.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Company and its subsidiaries file a consolidated federal income tax return.&#160; Income taxes are allocated to the Company and its subsidiaries based on the contribution of their income or use of their loss in the consolidated return.&#160; Separate state income tax returns are filed by the Company and its subsidiaries. The Company is subject to examination by taxing authorities for the years 2006, 2007 and 2009 through 2013.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Federal and state income taxes have been provided on the basis of reported income or loss.&#160; The amounts reflected on the tax returns differ from these provisions due principally to temporary differences in the reporting of certain items for financial reporting and income tax reporting purposes. The tax effect of these temporary differences is accounted for as deferred taxes applicable to future periods. Deferred income tax expense or benefit is determined by recognizing deferred tax assets and liabilities for the estimated future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled.&#160; The effect on deferred assets and liabilities of a change in tax rates is recognized in earnings in the period that includes the enactment date.&#160; The realization of deferred tax assets is assessed and a valuation allowance provided for the full amount which is not more likely than not to be realized.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Treasury Stock</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Shares of common stock repurchased are recorded as treasury stock at cost.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Earnings (Losses) Per Share Information</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Basic per share data excludes dilution and is computed by dividing income (loss) available to common shareholders by the weighted average common shares outstanding during the period.&#160; Diluted per share data takes into account the potential dilution that could occur if securities or other contracts to issue common stock were exercised and converted into common stock, using the treasury stock method.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Class B shares of the Company may be converted to Class A shares at the rate of 1.15 to 1.</div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;</div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Comprehensive Income (Loss)</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Company<font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;</font>reports comprehensive income (loss) in accordance with FASB ASC Topic 220, &#8220;Comprehensive Income&#8221; (&#8220;ASC Topic 220&#8221;), which requires the reporting of all changes in equity during the reporting period except investments from and distributions to shareholders.&#160; Net income (loss) is a component of comprehensive income (loss) with all other components referred to in the aggregate as other comprehensive income (loss).&#160; Comprehensive income (loss) consists of net income (loss) and other comprehensive income (loss).&#160; Other comprehensive income (loss) includes unrealized gains and losses on available for sale investment securities, non-credit related losses on other-than-temporarily impaired investment securities, and adjustment to net periodic pension cost.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Fair Value of Financial Instruments</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">For information on the fair value of the Company&#8217;s financial instruments refer to &#8220;Note 20 - Fair Value of Financial Instruments&#8221; to the Consolidated Financial Statements.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Restrictions on Cash and Amounts Due From Banks</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Royal Bank is required to maintain average balances on hand with the Federal Reserve Bank.&#160; At December 31, 2013 and 2012, these reserve balances amounted to $100,000.</div><div style="text-align: left;"><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2. <font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"><u>Recent Accounting Pronouncements</u></font></div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">In December 2011, the Financial Accounting Standards Board (&#8220;FASB&#8221;) issued Accounting Standards Update (&#8220;ASU&#8221;) No. 2011-11, Balance Sheet (Topic 210): Disclosures about Offsetting Assets and Liabilities (&#8220;ASU 2011-11&#8221;).&#160; Because of the significant differences in requirements under U.S. GAAP and IFRS, FASB and the International Accounting Standards Board (&#8220;IASB&#8221;) are issuing joint requirements that will enhance current disclosures. Entities are required to disclose both gross information and net information about both instruments and transactions eligible for offset in the statement of financial position and instruments and transactions subject to an agreement similar to a master netting arrangement. This scope would include derivatives, sale and repurchase agreements and reverse sale and repurchase agreements, and securities borrowing and securities lending arrangements. The objective of this disclosure is to facilitate comparison between those entities that prepare their financial statements on the basis of U.S. GAAP and those entities that prepare their financial statements on the basis of IFRS. ASU 2011-11 is effective for annual periods beginning on or after January 1, 2013 and interim periods within those annual periods. An entity should provide the disclosures required by these amendments retrospectively for all comparative periods presented. The adoption of ASU 2011-11 did not have a significant impact on the Company&#8217;s consolidated financial statements.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">In February 2013, the FASB issued ASU No. 2013-02, Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income (&#8220;ASU 2013-02&#8221;) to improve the reporting of reclassifications out of accumulated comprehensive income. ASU 2013-02 does not change the current requirements for reporting net income or other comprehensive income in financial statements. However, ASU 2013-02 requires an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified <font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">out of accumulated other comprehensive income by the respective line items of net income but only if the amount reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income, an entity is required to cross-reference to other disclosures required under U.S. GAAP that provide additional detail about those amounts. </font>ASU 2013-02 is<font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"> effective for reporting periods b</font>eginning after December 15, 2012. 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font-size: 10pt;"><div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">NOTE 2 &#8211; REGULATORY MATTERS and SIGNIFICANT RISKS and UNCERTAINTIES</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"><u>FDIC and Department of Banking Memorandum of Understanding</u></div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">During the fourth quarter of 2011, Royal Bank entered into an informal agreement, known as a memorandum of understanding (&#8220;MOU&#8221;) with each of the FDIC and the Pennsylvania Department of Banking (the &#8220;Department&#8221;). Included in the MOU is the requirement of maintaining a ratio of Tier 1 capital to total assets (&#8220;leverage ratio&#8221;) equal to or greater than 8% and a total risk-based capital ratio equal to or greater than 12%. At December 31, 2013, based on capital levels calculated under <font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">RAP</font>, Royal Bank&#8217;s leverage and total risk-based capital ratios were 9.13% and 15.61%, respectively.&#160; Please refer to &#8220;Note 15 &#8211; Regulatory Capital Requirements&#8221; to the Consolidated Financial Statements.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"><u>Federal Reserve Memorandum of Understanding</u></div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">As previously disclosed, in March 2010, the Company agreed to enter into a written agreement (the &#8220;Federal Reserve Agreement&#8221;) with the Federal Reserve Bank of Philadelphia (the &#8220;Federal Reserve Bank&#8221;).&#160; In July 2013, the Board of Governors of the Federal Reserve System terminated the enforcement action under Federal Reserve Agreement, and it was replaced with an informal non-public agreement, an MOU, with the Federal Reserve Bank, effective July 17, 2013.&#160; Included in the MOU are certain continued reporting requirements and a requirement that the Company receive the prior approval of the Federal Reserve Bank prior to declaring or paying any dividends on the Company&#8217;s common stock, making interest payments related to the Company&#8217;s outstanding trust preferred securities or subordinate securities, incurring or guaranteeing certain debt with an original maturity date greater than one year, and purchasing or redeeming any shares of stock.&#160; The MOU will remain in effect until stayed, modified, terminated or suspended in writing by the Federal Reserve Bank.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Our success as a Company is dependent upon pursuing various alternatives in not only achieving the growth and expansion of our banking franchise but also in managing our day to day operations. The existence of the two MOUs may limit or impact our ability to pursue all previously available alternatives in the management of the Company. Our ability to retain existing retail and commercial customers as well as the ability to attract potentially new customers may be impacted by the existence of the MOUs. Additionally, the Company&#8217;s ability to raise capital in the current economic environment could be potentially limited or impacted as a result of the MOUs. 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Declines in credit related expenses, provision for loan and lease losses, OTTI on investment securities, salaries and benefits and professional and legal fees of $7.4 million, $6.9 million, $2.4 million, $1.3 million and $1.2 million, respectively, positively impacted 2013 results.&#160; Included in net income for 2013 were $2.5 million in gains on the sale of company owned real estate and an increase of $1.1 million in net gains on the sale of OREO properties.&#160; <font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Partially offsetting these positive items was a $1.9 million decrease in net interest income, a $1.4 million decrease in gains on sales of loans and leases, and an $872,000 decline in gains on sale of investment securities.</font><font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;</font>The Company&#8217;s deferred tax valuation allowance amounted to $37.2 million at the end of 2013.&#160; The deferred tax valuation allowance is a result of management&#8217;s conclusion that it was more likely than not that the Company would not generate sufficient future taxable income to realize all of the deferred tax assets.</div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;</div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"><u>Credit Quality</u></div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The<font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"> financial services and real estate industries were hit particularly hard during the &#8220;Great Recession&#8221; and as a result the Company&#8217;s loan and investment portfolios were directly affected.&#160; The Company&#8217;s commercial real estate loans, including construction and land development loans, saw a decline in the collateral values and a reduction in the borrowers&#8217; ability to meet the payment terms of their loans due to reduced cash flow.&#160; Further declines in collateral values and borrowers&#8217; liquidity with sustained unemployment at current levels may lead to additional </font>increases in foreclosures, delinquencies and customer bankruptcies.&#160; The Company is less able than a larger institution to spread the risks of unfavorable local economic conditions across a large number of more diverse economies.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"><font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Company has been successful in reducing net classified loans, which includes LHFS, and OREO.&#160; Net classified loans were $32.2 million and $51.8 million at December 31, 2013 and 2012, respectively. 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Other-than-temporary-impairment losses were $0 at December 31, 2013 compared to $2.4 million at December 31, 2012.</div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"><u>Liquidity and Funds Management</u></div><div style="text-align: left;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Royal Bank previously had limited capacity to borrow additional funds in the event it was needed for liquidity purposes.&#160; However, Royal Bank has continued to maintain liquidity measures that are in excess of the target levels.&#160; During the third quarter of 2013, the FHLB released Royal Bank from the over collateralized delivery requirement of 105% subject to reevaluation on a quarterly basis. 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Amounts are included in salaries and benefits on the Consolidated Statements of Operations in noninterest expense. Amounts are included in net gains on the sale of available for sale investment securities on the Consolidated Statements of Operations in total noninterest income. Amounts are included in total other-than-temporary impairment on investment securities on the Consolidated Statements of Operations in total noninterest income. The aggregate intrinsic value of a stock option in the table above represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had they exercised their options on December 31, 2013. The intrinsic value varies based on the changes in the market value in the Company’s stock. Because the exercise price exceeded the market value of the options, the average intrinsic value was $0 at December 31, 2013. Appraisals or brokers opinions of collateral values may be adjusted for qualitative factors such as interior condition of the property and liquidation expenses. Fair value may also be based on negotiated settlements with the borrower. Leases are measured using the salvageable value of the collateral. 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After 10 years Total available for sale debt securities Available-for-sale Securities, Debt Securities 12 months or longer, Fair value Within 1 year Carrying value and fair value of available for sale investment securities [Abstract] No contractual maturity After 5 but within 10 years Total available for sale debt securities Available-for-sale Debt Securities, Amortized Cost Basis After 5 but within 10 years Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value Amortized cost, gross unrealized gains and losses, and fair value of available-for-sale investment securities Available-for-sale Securities [Table Text Block] Fair value [Abstract] Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract] Total, Fair value Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value Market value of investment securities pledged as collateral Available-for-sale securities pledged as collateral Total available for sale securities Available-for-sale Securities, Debt Maturities, Amortized Cost Basis After 10 years Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value Available for sale securities, continuous unrealized loss position [Abstract] After 1 but within 5 years Amortized cost Net realized gains Available-for-sale Securities, Gross Realized Gain (Loss) Gross realized gains and losses on the sale of securities recognized in earnings [Abstract] Gross realized losses Available-for-sale Securities, Gross Realized Losses Total, Number of positions Gross realized gains Borrowings Bank owned life insurance Income from bank owned life insurance Income from bank owned life insurance Bank Owned Life Insurance Income Building and Leasehold Improvements [Member] Total capital (to risk-weighted assets) Capital Loss Carryforward [Member] Total capital (to risk-weighted assets) (in hundredths) Total capital (to risk-weighted assets) (in hundredths) Total capital (to risk-weighted assets) (in hundredths) Capital Required for Capital Adequacy to Risk Weighted Assets Total capital (to risk-weighted assets) (in hundredths) Capital Required to be Well Capitalized to Risk Weighted Assets Total capital (to risk-weighted assets) Capital Required for Capital Adequacy Total capital (to risk-weighted assets) Capital Required to be Well Capitalized Carrying Amount [Member] Cash and cash equivalents at beginning of period Cash and cash equivalents at end of period Total cash and cash equivalents Total cash and cash equivalents Cash and Cash Equivalents, at Carrying Value Restrictions on Cash and Amounts Due From Banks Cash and Cash Equivalents Cash and due from banks Cash Net increase (decrease) in cash and cash equivalents Cash and Cash Equivalents, Period Increase (Decrease) Restrictions on Cash and Amounts Due From Banks [Abstract] Cash and Cash Equivalents [Abstract] Cash and cash equivalents Cash and Cash Equivalents, Fair Value Disclosure Cash surrender value of life insurance policies Class of Treasury Stock [Table] Class of Stock [Line Items] Class of Stock [Domain] Number of shares to be purchased by warrant (in shares) Commercial Real Estate [Member] Commercial Real Estate Portfolio Segment [Member] Commercial and Industrial [Member] Commercial Loan [Member] Commercial and Industrial [Member] Commercial and Industrial [Member] Commercial Real Estate [Member] FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK AND CONCENTRATIONS OF CREDIT RISK Commitments and Contingencies Disclosure [Text Block] FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK AND CONCENTRATIONS OF CREDIT RISK [Abstract] Commitments to Extend Credit [Member] Common Class A [Member] Common Stocks [Member] Common Stock [Member] Balance (in shares) Balance (in shares) Common Stock, Shares, Outstanding Rate class B shares may be converted to class A shares Common Stock, Conversion Basis Common stock Common stock, shares issued (in shares) Common Class B [Member] Common stock, par value (in dollars per share) Common stock, shares authorized (in shares) Number of vote for class of shares held PENSION PLANS [Abstract] Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] Components of Deferred Tax Assets and Liabilities [Abstract] Deferred tax liabilities [Abstract] Comprehensive loss attributable to Royal Bancshares of Pennsylvania, Inc. Comprehensive Income (Loss), Net of Tax, Attributable to Parent Less net loss attributable to noncontrolling interest Comprehensive Income (Loss), Net of Tax, Attributable to Noncontrolling Interest COMPREHENSIVE LOSS Comprehensive Income (Loss) Note [Text Block] Comprehensive Income (Loss) Comprehensive loss Components of comprehensive income [Abstract] Comprehensive loss Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest Concentration Risk Type [Domain] Concentration Risk [Line Items] Concentration Risk Benchmark [Domain] Concentration Risk [Table] Concentration Risk Benchmark [Axis] Significant Concentration of Credit Risk Concentration Risk Type [Axis] Concentration risk, percentage (in hundredths) Condensed Financial Statements, Captions [Line Items] CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY Condensed Financial Information of Parent Company Only Disclosure [Text Block] CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY [Abstract] Payment to acquire additional ownership interest Amount credit to Additional Paid in Capital Ownership Interests [Table] Principles of Consolidation Consumer Portfolio Segment [Member] Consumer Portfolio Segment [Member] Consumer [Member] Corporate Bonds [Member] Current Current Income Tax Expense (Benefit) Customer Concentration Risk [Member] Description of variable rate basis on notes payable Debt Instrument, Description of Variable Rate Basis Other Borrowings [Line Items] Other Borrowings [Table] Weighted average interest rate on other borrowings from PNC Bank (in hundredths) Debt, Weighted Average Interest Rate BORROWINGS AND SUBORDINATED DEBENTURES Debt Disclosure [Text Block] BORROWINGS AND SUBORDINATED DEBENTURES [Abstract] Basis spread on variable rate on notes payable (in hundredths) Trust preferred securities basis spread on variable rate (in hundredths) Aggregate principal amount Aggregate principal balance Maturity date of borrowings from PNC Bank Debt Instrument, Maturity Date Description of variable rate basis Debt Instrument, Interest Rate Terms Interest rate on notes payable (in hundredths) Prepaid deductions Unrealized losses on debt securities Total deferred tax liabilities Deferred Tax Liabilities, Gross Deferred Total deferred tax assets Deferred Tax Assets, Net of Valuation Allowance Net deferred tax assets, included in other assets Deferred Tax Assets, Net Deferred tax assets [Abstract] Deferred tax assets before valuation allowance Deferred Tax Assets, Gross Capital loss carryover Charitable contribution carryovers Non-accrual interest Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Allowance for Doubtful Accounts Net operating loss carryforward Deferred Tax Assets, Operating Loss Carryforwards Security writedowns Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Impairment Losses Other Accrued pension liability OREO writedowns Escrow settlement reserve Asset valuation reserves Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Reserves Accrued stock-based compensation Allowance for loan and lease losses Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Provision for Loan Losses Less valuation allowance Deferred tax valuation allowance Deferred Tax Assets, Valuation Allowance Other Deferred Tax Liabilities, Other Unrealized gains on AFS debt securities Deferred Tax Liabilities, Other Comprehensive Income Accumulated benefit obligation Rate of compensation increase (in hundredths) Amortization of prior service cost Benefits paid Defined Benefit Plan, Benefits Paid 2016 Defined Benefit Plan, Expected Future Benefit Payments, Year Three Employer matching contribution percent of employee contribution (in hundredths) Employer matching contribution to employees contribution that are within the specified limit (in hundredths) Change in Benefit Obligation [Roll Forward] Rate of compensation increase (in hundredths) Defined Benefit Plan, 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investment Demand Unrecognized prior service cost DEPOSITS Deposit Liabilities Disclosures [Text Block] Total deposits Total deposits Deposits NOW DEPOSITS [Abstract] Deposits Money Market Savings Depreciation and amortization expense Depreciation and amortization STOCK COMPENSATION PLANS Disclosure of Compensation Related Costs, Share-based Payments [Text Block] Summary of the Status of the Plan Disclosure of Share-based Compensation Arrangements by Share-based Payment Award [Table Text Block] STOCK COMPENSATION PLANS [Abstract] Basic and Diluted EPS [Abstract] Net Income (Loss) - basic and diluted (in dollars per share) Per share Amount (in dollars per share) Basic and diluted (in dollars per share) EARNINGS PER COMMON SHARE ("EPS") Earnings Per Share [Text Block] Earnings (Losses) Per Share Information EARNINGS PER COMMON SHARE ("EPS") [Abstract] Net income (loss) per common share [Abstract] Statutory federal income tax rate (in hundredths) Combined value of ownership interest Equity Method Investments Total percentage of ownership interest (in hundredths) Percentage of equity interest hold (in hundredths) Equity Component [Domain] Equity Method Investee, Name [Domain] Restatement [Line Items] Error Corrections and Prior Period Adjustments Restatement [Line Items] Estimated Fair Value [Member] Measurement Frequency [Axis] Fair Value by Asset Class [Domain] Fair Value, Hierarchy [Axis] Sales and calls Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Sales Fair Value Inputs, Liabilities, Quantitative Information [Line Items] Recurring [Member] Financial instruments whose contract amounts represent credit risk Fair Value Disclosure, Off-balance Sheet Risks, Face Amount, Asset Fair Value Inputs, Liabilities, Quantitative Information [Table] Fair Value of Financial Instruments Fair Value, Measurement Frequency [Domain] Additional quantitative information about assets measured at fair value on a nonrecurring basis [Abstract] Schedule of quantitative information about assets measured at fair value on nonrecurring basis Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Table Text Block] Financial Assets Measured at Fair Value on a Recurring and Nonrecurring Basis [Table] Asset Class [Axis] Included in earnings Fair Value, Measurements, Fair Value Hierarchy [Domain] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Included in other comprehensive income Purchases FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract] FAIR VALUE OF FINANCIAL INSTRUMENTS Fair Value Disclosures [Text Block] Nonrecurring [Member] Additional Information About Assets Measured at Fair Value on a Recurring Basis, Level 3 Inputs Assets measured at fair value on recurring basis Level 3 inputs [Roll Forward] Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] Schedule of Financial Assets Measured at Fair Value on Recurring Basis Additional Information About Assets Measured at Fair Value on a Recurring Basis, Level 3 [Line Items] Financial Assets Measured at Fair Value on Nonrecurring Basis Total gains/(losses) - (realized/unrealized) [Abstract] Financial assets measured at fair value on recurring basis [Abstract] Additional Information About Assets Measured at Fair Value on a Recurring Basis, Level 3 [Table] Fair Value by Balance Sheet Grouping Instruments Fair Value, Disclosure Item Amounts [Domain] Fair Value, by Balance Sheet Grouping [Table] Fair Value, by Balance Sheet Grouping, Disclosure Item Amounts [Axis] Significant Unobservable Inputs Level 3 [Member] Quoted Prices in Active Markets for Identical Assets Level 1 [Member] Significant Other Observable Inputs Level 2 [Member] Subordinated debt Fair Value of Financial Instruments Whose Contract Amounts Represent Credit Risk [Line Items] Transfers in and/or out of Level 3 Beginning balance Ending balance Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value Federal Home Loan Bank, advances, general debt obligations, disclosures, collateral pledged Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged Available borrowing capacity at the federal home loan bank Federal Home Loan Bank, advances, activity for year, average balance of agreements outstanding Federal Home Loan Bank ("FHLB") stock, at cost FHLB stock, at cost Federal Home Loan Bank stock FDIC and state assessments Line of credit with federal home loan bank, amount Advances maturing in 2015 (in hundredths) Advances maturing in 2015/2016 (in hundredths) Advances maturing in 2017/2018 Advances maturing in 2015/2016 Advances maturing in 2013/2014 Advances maturing in 2015 Federal Home Loan Bank, Advances, Maturities Summary, Due in Year Two Advances maturing in 2016/2017 Rate [Abstract] Advances maturing in 2013/2014 (in hundredths) Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate of Amounts Due within One Year of Balance Sheet Date Advances maturing in 2016/2017 (in hundredths) Amount [Abstract] Total FHLB borrowings Federal Home Loan Bank, Advances Advances maturing in 2017/2018 (in hundredths) Service charges and fees Fees and Commissions, Depositor Accounts Leases [Member] Finance Leases Portfolio Segment [Member] Loans and Leases Finance, Loans and Leases Receivable, Policy [Policy Text Block] Loans Held for Sale Financial Liabilities [Abstract] Financial Assets [Abstract] Financial Instrument [Axis] Standby Letters of Credit and Financial Guarantees Written [Member] Past Due Loans [Line Items] Aging analysis of past due payments for each loan portfolio segment [Abstract] Financing Receivable Allowance [Domain] Post-Modification Outstanding Recorded Investment Pre-Modification Outstanding Recorded Investment Financing Receivable, Modifications [Line Items] Total non-accrual LHFI, loan balance Total non-accrual loans, Loan balance Financing Receivable, Allowance for Credit Losses [Line Items] Ending balance: related to loans individually evaluated for impairment Financing Receivable, Recorded Investment [Line Items] Allowance for Loan and Leases Losses [Roll Forward] 30-59 Days Past Due Credit Quality Indicator [Axis] Total TDRs TDRs, total carrying value Portfolio Segment [Axis] Charge-offs Non performing loans, charge-offs Class of Financing Receivable [Domain] Accruing 90+Days 60-89 Days Past Due Recoveries Financing Receivable, Impaired [Line Items] Number of Loans Financing Receivable, Modifications, Number of Contracts Ending balance: individually evaluated for impairment Financing Receivable, Individually Evaluated for Impairment Financing Receivable, by Credit Quality Indicator [Domain] Current Beginning balance Ending balance Financing Receivable, Allowance for Credit Losses Risk ratings for each loan portfolio segment Class of Financing Receivable [Axis] Ending balance: collectively evaluated for impairment Financing Receivable, Collectively Evaluated for Impairment Financing Receivable, Troubled Debt Restructuring [Axis] Financing Receivable, Troubled Debt Restructuring [Domain] Ending balance: related to loans collectively evaluated for impairment OREO expenses and impairment charges Foreclosed Real Estate Expense Gain on sale of premises and equipment Gains on sales of premises and equipment Gain on sale of OREO Gain (Loss) on Sale of Property Plant Equipment Gains on sales of loans and leases Gains on sales of loans and leases Gain (Loss) on Sale of Loans and Leases Net gains on sales of AFS investment securities Gain (Loss) on Sale of Investments Gain on sale of entity owned buildings Gain (loss) on sale of property Net gains on the sale of AFS investment securities Gain (Loss) on Sale of Securities, Net Net gains on sales of other real estate Net gains on sales of other real estate owned Gain (loss) on sale of OREO Net gain on sales General Business Tax Credit Carryovers [Member] Extension period for guarantees With an allowance recorded Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method With an allowance recorded Impaired Financing Receivable, with Related Allowance, Average Recorded Investment Average recorded investment [Abstract] Average Recorded Investment and Related Interest Income [Abstract] Unpaid principal balance [Abstract] Financing receivable evaluated for impairment by portfolio segment Impaired Financing Receivables [Table Text Block] With no related allowance recorded Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method With an allowance recorded Impaired Financing Receivable, with Related Allowance, Recorded Investment Average investment in impaired loans and leases With no related allowance recorded Total impaired loans and leases Impaired Financing Receivable, Recorded Investment With no related allowance recorded Impaired LHFI without a valuation allowance Impaired Financing Receivable, with No Related Allowance, Recorded Investment Related allowance Total non-accrual LHFI, Specific reserves Valuation allowance related to impaired LHFI With no related allowance recorded Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment With an allowance recorded Interest income recognized [Abstract] Interest income recognized on impaired loans and leases Recorded investment [Abstract] Impaired Financing Receivable, Recorded Investment [Abstract] Interest income recognized on a cash basis on impaired loans and leases Total other-than-temporary impairment losses on investment securities Other than Temporary Impairment Losses, Investments Impairment charge for other real estate owned Impairment charge Impairment of Real Estate Consolidated Statements of Operations [Abstract] CONDENSED STATEMENT OF OPERATIONS [Abstract] INCOME TAXES Income Tax Disclosure [Text Block] INCOME TAXES [Abstract] Income (Loss) Before Income Taxes Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Extraordinary Items, Noncontrolling Interest Income from equity investments Income (Loss) from Equity Method Investments Income Tax Expense [Abstract] Income Tax Expense (Benefit), Continuing Operations [Abstract] Income tax expense Income tax expense Income tax (benefit) expense Applicable income tax expense Income tax expense Income Tax Expense (Benefit), Continuing Operations Computed tax benefit at statutory rate Statutory federal income tax rate reconciliation [Abstract] Income Tax Expense (Benefit), Continuing Operations, Income Tax Reconciliation [Abstract] Nondeductible expense Increase in valuation allowance Income taxes Bank owned life insurance Income Tax Reconciliation, Nondeductible Expense, Life Insurance Tax-exempt income Income Tax Reconciliation, Tax Exempt Income Income Taxes [Abstract] Income Tax Uncertainties [Abstract] Income Taxes Income Tax, Policy [Policy Text Block] Adjustment to prior year items Income Tax Reconciliation, Prior Year Income Taxes Department of Justice fine Decrease in accrued interest receivable Increase (Decrease) in Accrued Interest Receivable, Net Increase (decrease) in demand and NOW accounts Changes in assets and liabilities: (Increase) decrease in other assets Increase (Decrease) in Other Operating Assets (Decrease) increase in accrued interest payable Interest on subordinated debentures (Decrease) increase in other liabilities Increase (Decrease) in Other Operating Liabilities Decrease in certificates of deposit Increase (Decrease) in Stockholders' Equity [Roll Forward] (Decrease) increase in money market and savings accounts Accrued interest payable Interest income Income Loans and leases, including fees Total Interest Expense Interest expense Interest Expense Total Interest Income Interest income Interest and Dividend Income, Operating Interest expense Interest Expense [Abstract] Investment securities available for sale Deposits Interest Expense, Deposits Deposits in banks Long-term borrowings Interest on subordinated debentures Interest Expense, Subordinated Notes and Debentures Net Interest Income Net interest income Short-term borrowings Net Interest Income after (Credit) Provision for Loan and Lease Losses Interest Income (Expense), after Provision for Loan Loss Brokered deposits Interest-bearing Domestic Deposit, Brokered Accrued interest receivable Interest bearing Interest Interest bearing deposits Investment Securities Federal Home Loan Bank stock Amortized cost and fair value of investment securities, by contractual maturity Investments in non-bank subsidiaries INVESTMENT SECURITIES Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block] INVESTMENT SECURITIES [Abstract] Junior subordinated debenture owed to unconsolidated subsidiary trust Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust Subordinated debentures [Abstract] Long-term Debt, Type [Domain] 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activities Net Cash Provided by (Used in) Investing Activities Net cash used in financing activities Net Cash Provided by (Used in) Financing Activities Cash flows from investing activities Net Cash Provided by (Used in) Investing Activities [Abstract] Cash flows from operating activities Cash flows from operating activities: Net income (loss) U.S. GAAP net income (loss) Net Income (Loss) Attributable to Royal Bancshares of Pennsylvania, Inc. Net income (loss) attributable to Royal Bancshares of Pennsylavania, Inc. Net cash provided by operating activities Net Cash Provided by (Used in) Operating Activities Less net loss attributable to noncontrolling interest Noncontrolling interest Less net (loss) income attributable to noncontrolling interest Recent Accounting Pronouncements New Accounting Pronouncements, Policy [Policy Text Block] Non-interest bearing Other income Noninterest Income, Other Non-interest income Noninterest Income [Abstract] Non-interest expense Expenses Noninterest Expense [Abstract] Total Non-interest Income Total non-interest income Other income Directors fees Total Non-interest Expense Other expenses Noninterest Expense Notes payable with PNC Bank Notes payable [Member] Noncontrolling Interest [Member] Occupancy and equipment Thereafter Minimum rental commitments under the leases Operating loss carryforwards, expiration dates Operating Loss Carryforwards [Table] Operating loss carryforwards Rent expense 2016 Operating Leases, Future Minimum Payments, Due in Three Years 2015 Operating Leases, Future Minimum Payments, Due in Two Years 2014 Operating Leases, Future Minimum Payments Due, Next Twelve Months 2017 Operating Leases, Future Minimum Payments, Due in Four Years Operating Loss Carryforwards [Line Items] 2018 Operating Leases, Future Minimum Payments, Due in Five Years LEASE COMMITMENTS Operating Leases of Lessee Disclosure [Table Text Block] Total lease commitments Operating Leases, Future Minimum Payments Due Other comprehensive loss, net, before tax Other Comprehensive Income (Loss), before Tax Other comprehensive loss Other comprehensive loss, net of reclassifications and taxes Other Comprehensive Income (Loss), Net of Tax Other assets Credit related impairment losses on debt securities held for which a portion of OTTI was recognized in other comprehensive income [Roll Forward] Unrealized losses on investment securities Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax Less reclassification adjustment for gains realized in net income, tax Other Comprehensive Income (Loss), Reclassification Adjustment for Sale of Securities Included in Net Income, Tax Non-credit loss portion of other-than-temporary impairments, tax Other than Temporary Impairment Losses, Investments, Portion in Other Comprehensive Income (Loss), Tax, Including Portion Attributable to Noncontrolling Interest Balance at beginning of year Balance at end of year Other than Temporary Impairment, Credit Losses Recognized in Earnings, Credit Losses on Debt Securities Held Reductions for securities sold during the period (realized) Other than Temporary Impairment, Credit Losses Recognized in Earnings, Reductions, Securities Sold Impairment of AFS investment securities Other than temporary impairment losses on securities recognized in earnings Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net Other real estate owned decrease Unrecognized benefit obligation expense, net of tax Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Adjustment, Net of Tax Unrecognized benefit obligation expense, before tax Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Adjustment, before Tax Unrealized losses on investment securities, tax Other Comprehensive Income (Loss), Available-for-sale Securities, Tax Other than Temporary Impairment Losses, Investments, Available-for-sale Securities [Abstract] Less reclassification adjustment for gains realized in net income, before tax Other Comprehensive Income (Loss), Reclassification Adjustment for Sale of Securities Included in Net Income, before Tax Less reclassification adjustment for amortization Less reclassification adjustment for amortization, net of tax Unrecognized benefit obligation expense, tax Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Tax Schedule of credit related impairment losses on debt securities held, for portion of OTTI was recognized in other comprehensive income Other than Temporary Impairment, Credit Losses Recognized in Earnings [Table Text Block] Less adjustment for impaired investments, tax Other Comprehensive Income (Loss), Reclassification Adjustment for Write-down of Securities Included in Net Income, Tax Actuarial gain (loss), before tax Less adjustment for impaired investments, before tax Other Comprehensive Income (Loss), Reclassification Adjustment for Write-down of Securities Included in Net Income, before Tax Unrealized losses on investment securities, before tax Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, before Tax Decline in OTTI charge Decline in OTTI on investment securities Other than Temporary Impairment, Credit Losses Recognized in Earnings, Period Increase (Decrease) Less reclassification adjustment for gains realized in net income (loss) Other Comprehensive Income (Loss), Reclassification Adjustment for Sale of Securities Included in Net Income, Net of Tax Less reclassification adjustment for amortization, before tax Less adjustment for impaired investments Less adjustment for impaired investments, net of tax Other Comprehensive Income (Loss), Reclassification Adjustment for Write-down of Securities Included in Net Income, Net of Tax Unrecognized benefit obligation expense [Abstract] Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Tax [Abstract] Less reclassification adjustment for amortization, tax Other Comprehensive Income (Loss), Amortization, Pension and Other Postretirement Benefit Plans, Net Prior Service Cost Recognized in Net Periodic Pension Cost, Tax Actuarial loss, net of tax Unrealized gains on investment securities [Abstract] Other Comprehensive Income (Loss), Available-for-sale Securities, Tax [Abstract] Unrealized gains on investment securities: [Abstract] Other comprehensive income, net, tax Other Comprehensive Income (Loss), Tax Unrecognized benefit obligation expense: Unrecognized benefit obligation expense [Abstract] Unrecognized benefit obligation expense [Abstract] Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Adjustment, before Tax, [Abstract] Before tax amount [Abstract] Other comprehensive loss, net of tax Net of tax amount [Abstract] Other Comprehensive Income (Loss), Net of Tax [Abstract] Actuarial loss, tax Unrealized losses on investment securities: Unrealized gains on investment securities [Abstract] Unrealized holding losses arising during period, before tax Unrealized holding losses arising during period, tax Unrealized holding losses arising during period Unrealized holding losses arising during period, net of tax Total non-interest expenses Other borrowings from PNC Bank outstanding Other Long-term Debt Other operating expenses Other expenses Other investment, at cost Other Investments and Securities, at Cost Other liabilities OTHER REAL ESTATE OWNED [Abstract] Aging analysis of past due payments for each loan portfolio segment Pass [Member] Royal Bancshares [Member] Parent Company [Member] Net (increase) decrease in loans Payments for (Proceeds from) Loans and Leases Net redemption of Federal Home Loan Bank stock Payments for (Proceeds from) Federal Home Loan Bank Stock Purchase of premises and equipment Payments to Acquire Property, Plant, and Equipment Purchase of AFS investment securities Payments to Acquire Available-for-sale Securities Purchase of life insurance Payments to Acquire Life Insurance Policies Payments of Dividends [Abstract] Benefit Plans Defined Benefit Pension Plan [Member] PENSION PLANS Pension and Other Postretirement Benefits Disclosure [Text Block] Plan Name [Domain] Plan Name [Axis] Preferred stock, Series A perpetual, $1,000 liquidation value, 500,000 shares authorized,30,407 shares issued and outstanding at December 31, 2013 and 2012 Series A Preferred stock, with quarterly cash dividend suspended Preferred stock Preferred stock, shares authorized (in shares) Preferred stock cumulative dividend rate percentage for first five years (in hundredths) Preferred Stock, Dividend Rate, Percentage Preferred Stock [Abstract] Preferred stock, shares issued (in shares) Less Preferred stock Series A accumulated dividend and accretion Preferred stock dividend in arrears Preferred Stock, Amount of Preferred Dividends in Arrears Preferred stock, liquidation value (in dollars per share) Preferred stock, shares outstanding (in shares) Preferred Stock Series A [Member] Reclassifications Other Securities [Member] Other, net Net decrease in real estate owned via equity investments Change in short-term borrowings Proceeds from sales of AFS investment securities Proceeds from maturities, calls and paydowns of AFS investment securities Proceeds from Maturities, Prepayments and Calls of Available-for-sale Securities Proceeds from long-term borrowings Proceeds from the sale of premises and equipment Proceeds from Sale of Property, Plant, and Equipment Proceeds from sales of loans and leases Net proceeds from sale of premises of real estate owned via equity investments Proceeds from sales of real estate owned Proceeds from sale of collateral related to loans or other real estate owned Net proceeds from sales Distribution from investments in real estate Professional and legal fees Net income (loss) Net Income (Loss) Net (loss) income Net income (loss) from continuing operations Carrying value of property sold Estimated Useful Lives Premises and Equipment, Type [Domain] PREMISES AND EQUIPMENT [Abstract] Premises and Equipment Property, Plant and Equipment, Policy [Policy Text Block] Premises and equipment, net Premises and equipment, net Premises and Equipment [Line Items] Premises and equipment Premises and Equipment Property, Plant and Equipment [Table Text Block] Premises and Equipment, Type [Axis] PREMISES AND EQUIPMENT Property, Plant and Equipment Disclosure [Text Block] (Credit) provision Provision for Loan, Lease, and Other Losses (Credit) provision for loan and lease losses SUMMARY OF QUARTERLY RESULTS (UNAUDITED) Quarterly Financial Information [Text Block] SUMMARY OF QUARTERLY RESULTS (UNAUDITED) [Abstract] Range [Axis] Range [Domain] OTHER REAL ESTATE OWNED Real Estate Owned [Text Block] Other real estate owned ("OREO"), net Other real estate owned (OREO) OREO, net Ending balance Beginning balance Gross realized gains and losses realized on sale of securities Realized Gain (Loss) on Investments [Table Text Block] LOANS AND LEASES [Abstract] REGULATORY CAPITAL REQUIREMENTS [Abstract] REGULATORY CAPITAL REQUIREMENTS Regulatory Capital Requirements under Banking Regulations [Text Block] Related Party Transaction [Line Items] Related Party [Domain] Related Party [Axis] Payments received from related party loans Repayments of long-term borrowings Loan payoffs (fundings) Repayments of Long-term Debt Mortgage-backed Securities-residential [Member] Residential Real Estate [Member] Residential Portfolio Segment [Member] Residential Portfolio Segment [Member] Residential Real Estate [Member] Residential Mortgage [Member] Restatement Adjustment [Member] Non-vested Shares [Member] Average balances on hand with the Federal Reserve Bank Restructuring charges Restructuring Charges Restructuring charges related to reduction in workforce Accumulated deficit Accumulated Deficit [Member] Total Income Revenues Open-end Lines of Credit [Member] Substandard [Member] Options outstanding and exercisable, weighted average exercise price (in dollars per share) Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Exercise Price Options exercisable, average intrinsic value at the end of the year Options exercisable, weighted average remaining term at the end of the year Options outstanding, weighted average remaining term at the end of the year Options outstanding and exercisable, weighted average remaining term Short-term borrowings Short-term Debt, Fair Value Scenario, Previously Reported [Member] Scenario, Unspecified [Domain] Schedule of Financing Receivable, Allowance for Credit Losses [Table] Composition of the non-accrual loans Schedule of Impaired Financing Receivable [Table] Schedule of Components of Income Tax Expense Schedule of Financing Receivable, Troubled Debt Restructurings [Table] Detail for Non-vested Shares Under the Plans Schedule of Nonvested Share Activity [Table Text Block] Components of Net Pension Cost Components of Other Comprehensive Income (Loss) and Related Tax Effects Schedule of Comprehensive Income (Loss) [Table Text Block] Schedule of Available-for-sale Securities [Table] Schedule of Computation of Basic and Diluted Earning Per Share Statutory Federal Income Tax Rate Reconciliation Plan's Funded Status and Amounts Recognized in the consolidated Balance Sheets Schedule of Financing Receivables Past Due [Table] Schedule of Financing Receivable, Recorded Investment, Credit Quality Indicator [Table] Minimum rental commitments Schedule of Future Minimum Rental Payments for Operating Leases [Table Text Block] Schedule of Gain (Loss) on Investments [Table] Summary of the Consolidated Results of Operations on a Quarterly Basis Deferred Tax Assets and Liabilities CONDENSED BALANCE SHEETS Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table] Investment securities in a continuous unrealized loss position Schedule of Available-for-sale Securities [Line Items] CONDENSED STATEMENT OF CASH FLOWS Assumptions Used to Determine the Benefit Obligations and the Net Periodic Pension Cost Compliance with Regulatory Capital Requirements under Banking Regulations [Table] Royal Bank's capital ratios Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block] Other Components of Accumulated Comprehensive Income (Loss) in Shareholder's Equity Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block] Benefit Payments to be Made From the Non-qualified Pension Plan CONDENSED STATEMENTS OF OPERATIONS Financial instruments whose contract amounts represent credit risk [Table] Schedule of Error Corrections and Prior Period Adjustments Schedule of Error Corrections and Prior Period Adjustments [Table Text Block] Schedule of Condensed Financial Statements [Table] Equity Method Investments [Table] Equity Method Investments [Line Items] Schedule of Error Corrections and Prior Period Adjustment Restatement [Table] Defined Benefit Plans Disclosures [Table] Equity Method Investee, Name [Axis] Financial instruments whose contract amounts represent credit risk Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block] Gain (Loss) on Investments [Line Items] Information Pertaining to Options Outstanding Schedule of Share-based Compensation, Shares Authorized under Stock Option Plans, by Exercise Price Range [Table Text Block] Stock Option Plan, by Exercise Price Range [Table] Subordinated Debentures [Axis] Schedule of Segment Reporting Information, by Segment [Table] Share-based Payment Award [Table] Subordinated Debentures [Table] Schedule of Related Party Transactions, by Related Party [Table] Selected segment information and reconciliations to consolidated financial information Schedule of Segment Reporting Information, by Segment [Table Text Block] Premises and Equipment [Table] Loans and Leases [Table] Schedule of Stock by Class [Table] Major classifications of loans held for investment Segment Reporting Information [Line Items] SEGMENT INFORMATION [Abstract] SEGMENT INFORMATION Segment Reporting Disclosure [Text Block] Segment [Domain] Summary of the consolidated results of operations on a quarterly basis [Abstract] Series A Preferred Stock [Member] Detail for non-vested shares [Roll Forward] Stock compensation expense Forfeited, weighted average exercise price (in dollars per share) Granted, weighted average grant date fair value (in dollars per share) Forfeited (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period Non-vested options, weighted average exercise price at end of year (in dollars per share) Non-vested options, weighted average exercise price at beginning of year (in dollars per share) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value Weighted Average Exercise Price [Roll Forward] Non-vested, Weighted Average Grant Date Fair Value [Roll Forward] Granted (in shares) Share-based Payment Award [Line Items] Non-vested options at end of year (in shares) Non-vested options at beginning of year (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number Vested (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period Forfeited, weighted average exercise price (in dollars per share) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value Granted, weighted average exercise price (in dollars per share) Expired, weighted average exercise price (in dollars per share) Granted (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period Exercised, weighted average exercise price (in dollars per share) Options exercisable, weighted average exercise price at the end of the year (in dollars per share) Options exercisable, weighted average exercise price (in dollars per share) Expired (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Options, Expirations in Period Vested, weighted average exercise price (in dollars per share) Weighted average fair value of options granted during the year (in dollars per share) Options, Additional Disclosures [Abstract] Options exercisable at end of the year (in shares) Options exercisable (in shares) Summary of the Status of the Plan [Roll Forward] Forfeited (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures in Period Options outstanding at beginning of year (in shares) Options outstanding at end of the year (in shares) Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options Exercise Price Range [Axis] Stock Option Plan, Exercise Price Range [Line Items] Stock Option Plan, Exercise Price Range [Domain] Options outstanding, weighted average exercise price at beginning of year (in dollars per share) Options outstanding, weighted average exercise price at the end of the year (in dollars per share) Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price Options outstanding, average intrinsic value at the end of the year Stock Compensation [Abstract] Options outstanding and exercisable (in shares) Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Outstanding Options Range of exercise prices, lower range limit (in dollars per share) Award Type [Domain] Stock Compensation Range of exercise prices, upper range limit (in dollars per share) Subordinated Debentures [Line Items] Financial Instruments Subject to Mandatory Redemption, Financial Instrument [Domain] Short-term borrowings Short-term Debt SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Significant Accounting Policies [Text Block] Special Mention [Member] Statement [Table] Scenario [Axis] Statement [Line Items] Consolidated Statement of Changes in Shareholders' Equity [Abstract] Consolidated Statements of Cash Flows [Abstract] CONDENSED STATEMENTS OF CASH FLOWS [Abstract] Business Segments [Axis] Statement, Equity Components [Axis] Equity Components [Axis] Consolidated Balance Sheets [Abstract] Statements of Consolidated Comprehensive Loss [Abstract] Class of Stock [Axis] Stock Options [Member] Common stock conversion from Class B to Class A Stock Issued During Period, Value, Conversion of Convertible Securities Treasury shares issued for compensation Exercised (in shares) Common stock conversion from Class B to Class A (in shares) Stock Issued During Period, Shares, Conversion of Convertible Securities Shareholders' equity Total shareholders' equity Balance Balance Shareholder's equity Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest Royal Bancshares of Pennsylvania, Inc. equity: Royal Bancshares of Pennsylvania, Inc Total Royal Bancshares of Pennsylvania, Inc. shareholders' equity Stockholders' Equity Attributable to Parent SHAREHOLDERS' EQUITY [Abstract] SHAREHOLDERS' EQUITY Stockholders' Equity Note Disclosure [Text Block] Subordinated debentures Trust preferred securities with suspended interest payment Subordinated debentures Royal Bank [Member] Royal Bank [Member] Supplemental Disclosure Tax Credit Carryforward, Minimum Expiration Date Tax Credit Carryforward, Amount Tax Credit Carryforward, Name [Domain] Tax Credit Carryforward [Axis] Pennsylvania shares tax Tier I capital (to average assets, leverage) (in hundredths) Tier One Leverage Capital Required for Capital Adequacy to Average Assets Tier I capital (to average assets, leverage) (in hundredths) Tier I capital (to average assets, leverage) (in hundredths) Tier I capital (to risk-weighted assets) (in hundredths) Tier I capital (to risk-weighted assets) Tier One Risk Based Capital Required to be Well Capitalized Tier I capital (to risk-weighted assets) (in hundredths) Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets Tier I capital (to risk-weighted assets) Tier I capital (to risk-weighted assets) Tier One Risk Based Capital Required for Capital Adequacy Tier I capital (to risk-weighted assets) (in hundredths) Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets Tier I capital (to average assets, leverage) Tier One Leverage Capital Required for Capital Adequacy Tier I capital (to average assets, leverage) Tier One Leverage Capital Required to be Well Capitalized Tier I capital (to average assets, leverage) (in hundredths) Tier One Leverage Capital Required to be Well Capitalized to Average Assets Tier I capital (to average assets, leverage) 2016 Time Deposit Maturities, Year Three 2018 Time Deposit Maturities, Year Five Thereafter Time Deposit Maturities, after Year Five 2014 Time Deposit Maturities, Next Twelve Months 2017 Time Deposit Maturities, Year Four Total certificates of deposits Time Deposits 2015 Time Deposit Maturities, Year Two Time deposits (under $100) Time deposits (over $100) Transfers to other real estate owned Assets acquired on non-accrual loans Transfer to other real estate owned Types of Financial Instruments [Domain] Treasury stock - at cost, shares of Class A, 453,077 and 498,488 at December 31, 2013 and 2012 Treasury stock Treasury Stock, Value Treasury stock, shares (in shares) Treasury Stock [Member] Troubled debt restructurings that are on an accrual status and a non-accrual status Trust Preferred Securities [Member] Unallocated [Member] Undistributed losses from subsidiaries Equity in undistributed net income (loss) Undistributed Earnings, Basic Accrued interest and penalties on unrecognized tax benefits Unrecognized tax benefits Use of Estimates U.S. Government Agencies [Member] Valuation Technique [Axis] Valuation Technique [Domain] Warrant [Member] Weighted Average [Member] Average shares (denominator) (in shares) Refers to the number of Delaware trust affiliates. Number of Delaware trust affiliates Payment of interest in arrears on trust preferred securities. rbpaa_ Interest Payable In Arrears payment made in period Interest payment in arrears on trust preferred securities that was paid Refers to the trust created by the entity for issuing trust preferred securities. Royal Bancshares Capital Trust I [Member] Trust I [Member] Refers to the trust created by the entity for issuing trust preferred securities. Royal Bancshares Capital Trust I I [Member] Trust II [Member] Common Securities [Member] Document and Entity Information [Abstract] The percentage yield from Treasury Stock in ten years. Ten Year Treasury Yield Percentage of treasury yield (in hundredths) Represents percentage increase in 10 year treasury yield from year end. Percentage increase in ten year treasury yield Percentage of negatively impact on market value of securities (in hundredths) The increase (decrease) during the reporting period in the gross unrealized losses in investment securities available for sale during the period. Increase (Decrease) in Gross Unrealized Losses from Year to Year Increase in gross unrealized losses from year to year Refers to the number of securities in an unrealized loss position for twelve months or longer. Number Of Securities In Unrealized Loss Position For Twelve Months Or Longer 12 months or longer, Number of positions Refers to the number of securities in an unrealized loss position for less than twelve months. Number of securities in an unrealized loss position for less than twelve months Less than 12 months, Number of positions Credit related impairment charge on investment in private equity fund during the reporting period.. Credit related impairment charge on private equity fund Fair value amount of investment in debt and equity securities categorized as available for sale. Available for sale Securities Fair Value Total of Maturities by Year Total available for sale securities Amount of available-for-sale mortgage-backed residential debt securities at fair value, net of adjustments, that do not have a single maturity date and which the entity has decided to disclose separately rather than allocating the cost over several maturity groupings. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments. Available For Sale Securities Debt Maturities Mortgage Backed Residential Securities Fair Value Mortgage-backed securities residential Amount of available-for-sale mortgage-backed residential debt securities at amortized costs, net of adjustments, that do not have a single maturity date and which the entity has decided to disclose separately rather than allocating the cost over several maturity groupings. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments. Available For Sale Securities Debt Maturities Mortgage Backed Residential Securities Amortized Cost Mortgage-backed securities-residential Amount of US Government issued or guaranteed available-for-sale collateralized mortgage obligations debt securities at cost, net of adjustments, that do not have a single maturity date and which the entity has decided to disclose separately rather than allocating the cost over several maturity groupings. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments. Available For Sale Securities Debt Maturities Collateralized Mortgage Obligations Issued Or Guaranteed By GSE Amortized Cost Collateralized mortgage obligations Issued or guaranteed by U.S. government agencies Amount of US Government not issued or guaranteed available-for-sale collateralized mortgage obligations debt securities at cost, net of adjustments, that do not have a single maturity date and which the entity has decided to disclose separately rather than allocating the cost over several maturity groupings. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments. Available For Sale Securities Debt Maturities Collateralized Mortgage Obligations Not Issued Or Guaranteed By Gse Amortized Cost Collateralized mortgage obligations Non-agency Investments Classified By Contractual Maturity Date [Abstract] Amortized cost and fair value of investment securities by contractual maturity [Abstract] Total number of securities invested in private equity funds. Number of securities invested in real estate funds Number of securities invested in real estate funds Represents period of treasury yield during the period. Period of Treasury Yield Period of treasury yield Number of investment securities sold. Number of investment securities sold Number of investment securities sold The increase (decrease) during the reporting period in the aggregate market value of equity or debt securities that are purchased and available for sale. Increase (Decrease) in Available for Sale Securities Decrease in investment portfolio The number of securities held by the entity that are graded investment grade or above. Number Of Securities Investment Grade Or Above Number of securities at or above investment grade This item represents the gross profit realized on the sale of equity securities categorized neither as held-to-maturity nor trading securities. Available For Sale Equity Securities Gross Realized Gains Gain recorded by common stock investment sold The number of securities held by the entity that are considered NOT to be 'other than temporarily impaired' at then end of the period. Number Of Securities Considered Not to Be Other Than Temporarily Impaired Number of securities considered not to be other than temporarily impaired Refers to the number of securities recording an impairment charge during the period. Number of securities recording an impairment charge Impairment charges on investments in private equity funds during the reporting period. Impairment charges on private equity funds This item contains disclosure of the number of investment positions in the available-for-sale investments determined to have unrealized gains. Available-for-sale, Securities in Unrealized Gain Positions, Qualitative Disclosure, Number of Positions Number of securities with unrealized gains Tabular disclosure of financing receivables and troubled debt restructurings relating to newly restructured loans. Newly restructured loans [Table Text Block] Newly restructured loans Tabular disclosure of impaired financing receivables. Schedule of Impaired Loans [Table Text Block] Information pertaining to impairment loans Number of financing receivables that have been modified by troubled debt restructurings and are in a non-accrual status. Financing Receivable, Modifications, Number of Contracts, Non Accrual Number of TDRs on non-accrual status Number of financing receivables that have been modified by troubled debt restructurings and were already classified as impaired. Financing Receivable, Modifications, Number of Contracts, Already Classified as Impaired Number of TDRs already classified as impaired Amount of investment related to financing receivables modified by troubled debt restructurings within the current reporting period. Financing Receivable Modifications New Modifications Recorded Investment Total Amount of investment in financing receivables (before modification) modified by troubled debt restructurings related to Rate. Financing Receivable, Modifications, By Type, Rate Rate Amount of investment in financing receivables (before modification) modified by troubled debt restructurings, modified by any combination of rate, term or payment. Financing Receivable, Modifications, By Type, Combination of Modification Types Combination of types Amount of investment in financing receivables (before modification) modified by troubled debt restructurings, modified by term. Financing Receivable, Modifications, By Type, Term Term Number of financing receivables that have been newly modified by troubled debt restructurings during the period. Financing Receivable, New Modifications, Number of Contracts Number of loans Amount of investment in financing receivables (before modification) modified by troubled debt restructurings, modified by payment. Financing Receivable, Modifications, By Type, Payment Payment Financing Receivable New Modifications for the Period [Abstract] Refers to the accrual status of recorded investment related to financing receivables that have been modified by troubled debt restructurings. Accrual Status [Member] Refers to the non-accrual status of recorded investment related to financing receivables that have been modified by troubled debt restructurings. Non Accrual Status [Member] Non-Accrual Status [Member] Listing of classes of troubled debt restructurings by class of financing receivable's by accrual status and a non accrual status. Accrual Status And Non Accrual Status Of Restructured Loans [Domain] Information related to troubled debt restructurings by class of financing receivable's, accrual status and a non accrual status. Accrual Status And Non Accrual Status Of Restructured Loans [Axis] An officer is an executive of the entity that is appointed to the position by the board of directors. A director is a person serving on the board of directors (who collectively have responsibility for governing the entity). Officer and Directors [Member] Refers to the number of related party loans issued during the year. Number of new related party loans Number of new related party loans Refers to the addition of non accrual loan balance. Addition of non accrual loan balance Loans held for sale in non-accrual status. Non accrual Loans Held For Sale [Member] Recorded investment in financing receivables that are on nonaccrual status as of the balance sheet date. Financing Receivable Recorded Investment Nonaccrual Status held for investment Total non-accrual LHFI, loan balance Non accrual loans held for investment [Abstract] Non-accrual loans held for investment [Abstract] Amount of allowance for credit losses related to non-accrual loans held for sale. Non accrual loans held for sale specific reserves Non accrual loans held for sale, Specific reserves The aggregate carrying amount of loans receivable that will be sold to other entities. Includes mortgage and all other loans (collectively, loans) not classified as held for investment. Such loans are stated at the lower of cost or market, or elected fair value. Mortgage loans exclude mortgage-backed securities which are considered a debt security (other loan). Non accrual Loans Receivable Held for sale Net Total non-accrual LHFS, Loan balance Non accrual loans held for sale [Abstract] Non-accrual loans held for sale [Abstract] Composition of the non accrual loans [Abstract] Refers to the cash collected on non accrual and impaired loan. Cash collected on non accrual and impaired loan Refers to the reduction in existing non accrual loan balances through payments or return to accrual status. Reduction in existing non accrual loan balances Refers to the amount of decrease in nonaccrual loans as result of all nonaccrual loan activity for the period. Period Decrease In Nonaccrual Loans Period decrease in nonaccrual loans Amount of direct write-downs and charge-offs of financing receivables charged against the allowance. Financing Receivable Allowance For Credit Losses Write Downs And Charge Offs Charge-offs to the allowance for loan and lease losses Refers to the percentage of total non-accrual loans by loan classification type. Percentage of outstanding non accrual loans Percentage of outstanding non-accrual loans (in hundredths) Loans held for investment in non-accrual status. Non accrual Loans Held For Investment [Member] Non-accrual Loans Held For Investment [Member] Amount of investment in impaired financing receivables, which is held for sale. Impaired loans held for sale Impaired LHFS Refers to the property other than housing, such as office buildings, shopping centers, industrial parks, churches, or hotels. Real Estate Non Residential [Member] Real Estate-non-residential [Member] Amount of allowance for credit losses related to recorded investment. Impaired Loans With Valuation Allowance Impaired LHFI with a valuation allowance Summary Of Impaired Loans [Abstract] Summary of impaired loans [Abstract] Refers to the amount credited to principal balance outstanding of non-accrual and impaired loans. Amount credited to principal balance outstanding Risk Ratings for Each Loan Portfolio Segment [Abstract] A category of financing receivables which includes credits that are beginning to demonstrate above average risk through declining earnings, strained cash flows, increased leverage and/or weakening market fundamentals. Pass Watch [Member] Pass-Watch [Member] Related Allowance [Abstract] Related allowance [Abstract] Loans evaluated for impairment by loan segment [Abstract] Tabular disclosure of federal home loan bank borrowings allocated by maturity with weighted average rates. Schedule of federal home loan bank borrowings allocated by maturity with weighted average rates [Table Text Block] FHLB borrowings allocated by the year in which they mature with their corresponding weighted average rates Refers to number of properties consider for impairment charges during the period. Number of Properties Impaired Number of properties impaired Class of financing receivables related to real estate financing receivables. Real Estate Receivable [Member] Loan [Member] A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. Foreclosed Property [Roll Forward] Property acquired under tax lien. Tax Lien [Member] Value of properties transferred from tax lien portfolio to OREO. Property Transferred to Other Real Estate From Tax Lien Portfolio Transfer to other real estate owned Refers to properties related to loans sold by the entity. Selling Single family homes [Member] Single family homes [Member] The number of lending relationships related to a loan. Number of Lending Relationships Number of lending relationships Refers to number of properties transferred to OREO by the entity during the period. Number of properties transferred to Oreo Number of properties transferred to OREO Tabular disclosure of the change in foreclosed properties. Foreclosed Properties Roll Forward [Table Text Block] Details of changes in other real estate owned This refers to aggregate purchase price of preferred stock and warrant. Aggregate purchase price Refers to the preferred stock cumulative dividend rate percentage for thereafter five years. Preferred stock cumulative dividend rate percentage for thereafter five years Preferred stock cumulative dividend rate percentage for thereafter five years (in hundredths) Refers to the number of years for warrant issued to treasury. Number of years for warrant issued to treasury Refers to the value on which quarterly dividend suspended. Value on which quarterly dividend suspended Value on which quarterly dividend is suspended Common Stock [Abstract] Name of the stock compensation plan. There may be more than one plan. Outside Director's Stock Option Plan [Member] Refers to the technique for valuation used by the entity. Appraisal of collateral valuation technique [Member] Refers to the technique for valuation used by the entity. Sales prices [Member] Refers to the technique for valuation used by the entity. Salvageable value of collateral valuation technique [Member] Refers to the largest component of real estate owned by lenders is assets taken in settlement of troubled loans through surrender or foreclosure. Real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. Other real estate owned [Member] This item represents loans held-for-sale as presented on the statement of financial position which may include mortgage loans held-for-sale, finance receivables held-for-sale, or any other loans classified as held-for-sale. Loans and leases held for sale [Member] Investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses. Impaired loans and leases [Member] Represents the range and weighted average of liquidation expenses presented as a percent of the appraisal. Range And Weighted Average Of Liquidation Expenses Presented As Percent Of Appraisal Range (Weighted Average) of Liquidation expenses (in hundredths) Represents the range and weighted average of appraisal adjustments presented as percent of appraisal. Range And Weighted Average Of Appraisal Adjustments Presented As Percent Of Appraisal Range (Weighted Average) of Appraisal adjustments (in hundredths) Refers to the range and weighted average of salvageable value of collateral. Range And Weighted Average Of Salvageable Value Of Collateral Range (Weighted Average) of Salvageable value of collateral (in hundredths) Amount after tax of other than temporary impairment (OTTI) loss on a debt security, categorized as either available-for-sale or held-to-maturity. Includes after tax portion attributable to the noncontrolling interest. Other than Temporary Impairment Losses Portion in Other Comprehensive Income Loss Net of Tax Including Portion Attributable to Noncontrolling Interest Non-credit loss portion of other-than-temporary impairments, net of tax Adjustment in deferred tax valuation allowance related to equity securities after tax. Adjustment in deferred tax valuation allowance related to equity securities net of tax Reduction in deferred tax valuation allowance related to equity securities after tax. Reduction In Deferred Tax Valuation Allowance Related To Equity Securities Net Of Tax Reduction in deferred tax valuation allowance related to equity securities, tax. Reduction In Deferred Tax Valuation Allowance Related To Equity Securities Tax Adjustment in deferred tax valuation allowance related to equity securities, tax. Adjustment in deferred tax valuation allowance related to equity securities tax Adjustment in deferred tax valuation allowance related to equity securities tax Before Tax Adjustment in Deferred tax valuation allowance related to equity securities. Before tax adjustment in deferred tax valuation allowance related to equity securities Adjustment in deferred tax valuation allowance related to preferred and common stock Before tax amount of other than temporary impairment (OTTI) on a debt security, categorized as either available-for-sale or held-to-maturity, recognized in other comprehensive income (loss). Other than Temporary Impairment Losses Portion in Other Comprehensive Income (Loss), before Tax, Including Portion Attributable to Noncontrolling Interest Non-credit loss portion of other-than-temporary impairments, before tax Other Comprehensive Income Loss Tax Expense Benefit Portion Period Increase Decrease [Abstract] Tax expense (benefit) [Abstract] Investments in wholly owned bank subsidiary. Investments in wholly owned bank subsidiary Investments in Royal Bank CONDENSED BALANCE SHEET [Abstract] Refers to number of entity owned buildings sold. Number of entity owned buildings sold The increase in operating interest income from the current period as compared to the same period in the prior year. Increase in net interest income Quarterly Financial Information, Explanatory Disclosure [Abstract] Collateral percentage held for commitments to third parties. Line of Credit Facility, Collateral Percentage Percentage of collateral held on off balance sheet commitments (in hundredths) The period through which the guarantees will expire in decreasing amount.. Guarantees expiry period Contracts of financial instruments represent credit risk [Abstract] Contract amount [Abstract] Segment Reporting Financial Information [Abstract] Selected Segment Information and Reconciliations to Consolidated Financial Information [Abstract] A component of an entity for which there is an accounting requirement to report separate financial information on that component in the entity's financial statements. Reportable Segment One [Member] Community Banking [Member] Wholly-owned subsidiary of parent company. Royal Asian [Member] Disclosure of inter-segment financial information. Community Banking Segment Related to Tax Lien Operation [Member] Tax Lien Operation Interest [Member] A component of an entity for which there is an accounting requirement to report separate financial information on that component in the entity's financial statements. Reportable Segment Two [Member] Tax Lien Operation [Member] Disclosure of accounting policy related to trust preferred securities. Trust Preferred Securities [Policy Text Block] Trust Preferred Securities Disclosure of accounting policy related to treasury stock and unallocated common stock. Treasury Stock and Unallocated Common Stock [Policy Text Block] Treasury Stock The disclosure of the accounting policy related to the differences in Regulatory Accounting Policies and Generally Accepted Accounting Policies. U S Gaap Rap Difference [Policy Text Block] U.S. GAAP RAP Difference The disclosure of the accounting policy relating to other investments. Other Investment [Policy Text Block] Other Investment Disclosure of accounting policy related to Federal Home Loan Bank Stock. Federal Home Loan Bank Stock [Policy Text Block] Federal Home Loan Bank Stock Description of a prior period adjustment to previously issued financial statements, including an adjustment that is a correction of an error. At a minimum, the description may include the nature and reasons for the adjustment and the periods affected by the adjustment, as well as (1) the effect of the correction on each financial statement line item and any per-share amounts affected for each prior period presented (2) the cumulative effect of the change on retained earnings or other appropriate components of equity or net assets in the statement of financial position, as of the beginning of the earliest period presented, and (3) the effect of the prior period adjustment (both gross and net of applicable income tax) on the net income of each prior period presented in the entity's annual report for the year in which the adjustments are made. Error Corrections and Prior Period Adjustments, Description [Policy Text Block] Restatement Financial information relating to both subsidiaries one and two. Subsidiaries One and Two [Member] Crusader Servicing Corporation and Royal Tax Lien Services, LLC [Member] Crusader Servicing Corporation and Royal Tax Lien Services, LLC [Member] Trust Preferred Securities [Abstract] Gain on transfer of loans from loans held for investments (LHFI) to loans held for sale (LHFS) recorded in non-interest income. Gain on transfer of loans from LHFI to LHFS recorded in non-interest income Refers to the number of loans held for sale ("LHFS") during the period. Number of Loans Held for Sale Number of loans held for sale Another company which is controlled, directly or indirectly, by its parent. The usual condition for control is ownership of a majority (over 50%) of the outstanding voting stock. The power to control may also exist with a lesser percentage of ownership, for example, by contract, lease, agreement with other stockholders or by court decree. Subsidiary two [Member] Royal Tax Lien Services, LLC [Member] Another company which is controlled, directly or indirectly, by its parent. The usual condition for control is ownership of a majority (over 50%) of the outstanding voting stock. The power to control may also exist with a lesser percentage of ownership, for example, by contract, lease, agreement with other stockholders or by court decree. Subsidiary one [Member] Crusader Servicing Corporation [Member] Another company which is controlled, directly or indirectly, by its parent. The usual condition for control is ownership of a majority (over 50%) of the outstanding voting stock. The power to control may also exist with a lesser percentage of ownership, for example, by contract, lease, agreement with other stockholders or by court decree. Subsidiary three [Member] Royal Bank America Leasing, LP [Member] The general allowance is based upon historical loss rates using a three-year rolling average loss experience. Number of years of historical loss rates used to estimated allowance Rolling average period used to determine historical loss rates Investment portfolio in securities, when it serves as a benchmark in a concentration of risk calculation, representing the sum of all reported investment securities as of the balance sheet date. Investment Portfolio in Securities [Member] Securities Issued By Government Sponsored Entities [Member] The notice period required from an investor in order to have their investment in the fund redeemed for the balance of their capital account at any quarter end. Other investments, notice period to redeem funds Lower range of the percentage of employees' gross pay for which the employer contributes a matching contribution to a defined contribution plan. Defined Contribution Plan, Employer Matching Contribution, Percent, Lower Range Employee contribution matched by employer, lower range (in hundredths) Federal Home Loan Bank Stock [Abstract] Reflects the percentage of one or more significant groups of loans. Commercial and Construction Loans [Member] Commercial [Member] Reflects the percentage that revenues in the period from one or more significant groups of loans. Development Loans [Member] Construction and Development Loans [Member] Reflects the percentage of one or more significant groups of loans. Commercial Real Estate Loan [Member] Commercial Real Estate Loans [Member] Refers to the trusts created by the entity for issuing trust preferred securities. Royal Bancshares Capital Trust one and two [Member] Royal Bancshares Capital Trust I and II [Member] The cash outflow associated with the tax distribution related additional ownership interest. Payment for tax distribution related additional ownership interest The additional percentage of ownership of common stock or equity participation in the investee accounted for under the equity method of accounting. Percentage of additional ownership interest acquired Percentage of additional ownership interest acquired (in hundredths) Percentage associated with the settlement related to relinquished ownership interest by the former President. Percentage of relinquished ownership interest Percentage of relinquished ownership interest (in hundredths) The cash outflow associated with the settlement related to relinquished ownership interest by the former President. Payment settlement related to relinquished ownership interest This line item represents the number of retail offices relocated during the period. Number of retail offices relocated Number of retail offices relocated This line item represents the maximum number of years to which lease period is to be extended. Option to extend lease period maximum This line item represents the minimum number of years to which lease period is to be extended. Option to extend lease period minimum Refers to the last years of employment used in the computation of retirement plan. Years of employment used in benefit computation Years of employment used in benefit computation Refers to the number of highest consecutive years of employee compensation during the term used to compute retirement benefit. Highest consecutive years of employee compensation used to compute benefit Highest consecutive years of employee compensation used to compute benefit The number of bank building sold under rationalization. Number of Building Sold Under Rationalization Number of buildings sold under rationalization The number of bank branches to consolidated under rationalization. Number of Branches Consolidated Under Rationalization Number of branches consolidated under rationalization The number of bank branches to be relocated. Number of branches being relocated Number of branches being relocated The maximum number of months required to relocate branches. Bank Branch Relocation Time Period Maximum Time period for relocation, maximum (in months) The minimum number of months required to relocate branches. Bank branch relocation time period minimum Time period for relocation, minimum (in months) The expected percentage of positions to be eliminated as a result of restructuring activities. Restructuring Expected percentage Of Positions Eliminated Reduction in workforce (in hundredths) Capital Adequacy [Abstract] Net Income [Abstract] Decline in net interest income during the period. Decline In Net Interest Income Decline in net interest income Increase in net gain on sale of other real estate during the period. Increase in Net Gain on Sale of Other Real Estate Increase in net gain on sale of OREO Decline in gains (losses) on sale of loans and leases during the period. Decline in Gains Losses on Sale of Loans and Leases Decrease in gains on sale of loans and leases Decline in professional and legal fees during the period. Decline in Professional and Legal Fees Decline in professional and legal fees Decline in salaries and benefits during the period. Decline in Salaries and Benefits Decline in salaries and benefits Decline in provision for loan and lease losses during the period. Decline in provision for loan and lease losses Decrease in the provision for loan and lease losses Decline in credit related expenses during the period. Decline in Credit Related Expenses Drop in credit related expenses Decline in credit related expenses Refers to the percentage of policy target. Percentage of policy target Liquidity to deposit ratio, policy target (in hundredths) Refers to the amount of significant losses were primarily related to charge-offs on the loan and lease portfolio, impairment charges on investment securities, impairment charges on OREO, credit related expenses and the establishment of a deferred tax valuation allowance. Continued significant losses Continued significant losses over five calendar years The amount of interest penalty incurred to a trust which has issued trust-preferred securities. In order to issue trust preferred securities, a sponsor forms a trust by investing a nominal amount of cash to purchase all of the voting common stock of the trust. The trust issues nonvoting, mandatorily redeemable preferred securities to outside investors in exchange for cash. The proceeds received from the issuance of the preferred securities, together with the cash received for issuing the common stock to the sponsor, is then loaned to the sponsor in exchange for a note which has the same terms as the trust preferred securities. Trust preferred securities possesses characteristics of both equity and debt issues and are generally issued by bank holding companies. Interest Penalty Trust Preferred Securities Interest payments on trust preferred securities including penalty Interest penalty on trust preferred securities Refers to the minimum total capital to risk weighted assets ratio required. Minimum total capital to risk weighted assets ratio required Minimum total capital to risk weighted assets ratio required (in hundredths) Carrying value as of the balance sheet date of interest in arrears on trust preferred securities. Interest payables in arrears Interest payments in arrears on trust preferred securities Dividend and Interest Restrictions [Abstract] Net amount of non-accrual loans, foreclosed properties and loans with a substandard credit risk rating. Net Classified Loans and Forecosed Property Net classified loans and foreclosed property Recorded investment in financing receivables held for investment and held for sale that are on nonaccrual status as of the balance sheet date. Non accrual financing receivables Non performing loans Credit Quality [Abstract] Federal Deposit Insurance Corporation and Department of Banking Orders [Abstract] Refers to the percentage of liquidity to total liabilities ratio. Liquidity to total liabilities ratio Liquidity to total liabilities ratio (in hundredths) Refers to the percentage of aggregate policy target. Percentage of aggregate policy target Liquidity to total liability ratio, policy target (in hundredths) Refers to the percentage of liquidity to deposits. Liquidity to deposits ratio Liquidity to deposits ratio (in hundredths) Refers to the percentage of collateralized delivery requirement with federal home loan banks. Percentage of collateralized delivery requirement with federal home loan banks Collateralized delivery requirement with Federal Home Loan Banks (in hundredths) Amount of limited available borrowings from federal reserve discount window based on collateral pledged. Limited Availability to borrow from Federal Reserve Discount Window Limited availability to borrow from the federal reserve discount window Liquidity and Funds Management [Abstract] Company Plans and Strategy [Abstract] Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. Banking orders [Line Items] Schedule detailing banking orders the bank is subject to. Schedule of Banking Orders [Table] Decline in gains on sale of investment securities during the period. Decline in gains on sale of investment securities Decline in gains on sale of investment securities Refers to the number of properties sold during the period. Number of properties sold Number of properties sold Equipment commonly used in offices and stores that have no permanent connection to the structure of a building or utilities. Examples include, but are not limited to, desks, chairs, tables, and bookcases. Equipment is tangible personal property used to produce goods and services. Furniture and Fixtures and Equipment [Member] Furniture, Fixtures and Equipment [Member] Fair value amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses. Impaired loans and leases fair value Impaired loans Amount of available-for-sale collateralized mortgage obligations at fair value issued or guaranteed by US government agencies, net of adjustments, that do not have a single maturity date and which the entity has decided to disclose separately rather than allocating the cost over several maturity groupings. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments. Available For Sale Securities Debt Maturities Collateralized Mortgage Obligations Issued Or Guaranteed By Gse Fair Value Disclosure Collateralized mortgage obligations issued or guaranteed by U.S. government agencies This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents US agency issued debt securities. United States Government Agency Debt Securities Available For Sale Fair Value Disclosure U.S. government agencies Fair value of land and buildings obtained through foreclosure proceedings that are valued on a nonrecurring basis. Foreclosed Properties Valued On A Nonrecurring Basis Other real estate owned Amount of available-for-sale collateralized mortgage obligations at fair value not issued or guaranteed by US government agencies, net of adjustments, that do not have a single maturity date and which the entity has decided to disclose separately rather than allocating the cost over several maturity groupings. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments. Available For Sale Securities Debt Maturities Collateralized Mortgage Obligations Not Issued Or Guaranteed By Gse Fair Value Disclosure Collateralized mortgage obligations Non-agency This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. This element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. May be used in both the balance sheet and disclosure in the same submission. Represents other securities not previously categorized and treated as available-for-sale securities. Available For Sale Other Securities Fair Value Disclosure Other securities Fair value disclosure of equity securities categorized neither as held-to-maturity nor trading which are intended be sold within one year from the balance sheet date or the normal operating cycle, whichever is longer. Available for sale Securities Equity Securities Current Fair Value Disclosure Common stocks This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents debt securities issued by corporations. Corporate Bonds Fair Value Disclosure Corporate bonds This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents debt issued by US states and political subdivisions. Municipal Bonds Fair Value Disclosure Municipal bonds Financial assets measured at fair value on nonrecurring basis [Abstract] Accretion of discount associated with U.S. Treasury preferred stock. Accretion Of Discount Associated With US Treasury Preferred Stock Accretion of discount on preferred stock Amortization of premium that have taken place during the period in relation to assets measured at fair value and categorized within Level 3 of the fair value hierarchy. Fair value measurement with unobservable inputs reconciliation recurring basis amortization of premium Amortization of premium This element represents the portion of the balance sheet assertion valued at fair value for the amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs). Deposits Savings Deposits Fair Value Disclosure Savings This element represents the portion of the balance sheet assertion valued at fair value by the entity as other investments. Other investments Fair Value Disclosure Other investment This element represents the portion of the balance sheet assertion valued at fair value for amount of money in accounts that may bear interest and that the depositor is entitled to withdraw at any time without prior notice. Demand deposits fair value disclosure Demand deposits This element represents the portion of the balance sheet assertion valued at fair value for the amount of deposits in interest-bearing transaction accounts at banks or savings and loans, that are restricted in regard to ownership and can usually only be held by individuals, nonprofit entities and governments. Negotiable order of withdrawal accounts differ from money market demand accounts as they typically have higher reserve requirements and no limit on the number of checks that can be written and for the amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts. Deposits Negotiable Order Of Withdrawal and Money Market Deposits NOW and money markets This element represents the portion of the balance sheet assertion valued at fair value for the amount of deposits that cannot be withdrawn before a set date without penalty or for which notice of withdrawal is required. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts. Time Deposits Fair Value Disclosure Time deposits Financial Instruments Financial Assets and Liabilities Balance Sheet Groupings [Abstract] Financial instruments financial assets and liabilities balance sheet groupings [Abstract] Description of uncertainties that arise due to the entity being subject to regulatory oversight. At a minimum, the description informs financial statement users of the general nature of the uncertainty. Uncertainty Regulatory Oversight [Text Block] REGULATORY MATTERS and SIGNIFICANT RISKS and UNCERTAINTIES REGULATORY MATTERS and SIGNIFICANT RISKS and UNCERTAINTIES [Abstract] Refers to actuarial loss of unrecognized benefit obligation expense. Unrecognized benefit obligation expense Actuarial loss Actuarial gain (loss) COMPREHENSIVE LOSS [Abstract] This line item represents the number of collateral restrictions being removed. Number of collateral restrictions removed Refers to the information by name of lender. PNC Bank [Member] PNC Bank [Member] Borrowing supported by a written promise to pay an obligation. Other Borrowings [Member] Refers to the percentage of collateralized delivery requirement with federal home loan bank. Percentage of collateralized delivery requirement with federal home loan bank Percentage of over collateralized delivery requirement with federal home loan bank (in hundredths) Federal home loan bank borrowings allocated by maturity with weighted average rates [Abstract] The value of the original investment that triggered the lawsuit regarding the original bankruptcy. Par Value of Investment, Trigger of Legal Action Par value of investment which triggered the legal action triggered by bankruptcy Refers to number of law firms appointed by court. Number of Law Firms Appointed Number of law firms appointed Refers to the business entity has an investment in common stock accounted for under the equity method of accounting. Royal Tax Lien Services [Member] RTL [Member] Refers to the business entity has an investment in common stock accounted for under the equity method of accounting. Crusader Servicing Corporation [Member] CSC [Member] The portion of the loss contingency recorded in the period that is attributable to the Parent. Loss Contingency Loss In Period Attributable To Parent Department of Justice fine in period attributable to parent This line item represents the interest rate on tax liens acquired during the period. Interest rate on tax liens acquired This line item represents the payment period from date of written notice. Payment period from date of written notice This line item represents the cash payment for liens specified as percentage of redemption amount. Cash payment for liens specified as percentage of redemption amount Cash payment for liens specified as percentage of redemption amount (in hundredths) Refers to the business entity has an investment in common stock accounted for under the equity method of accounting. Lehman Brothers Holdings, Inc. [Member] LEGAL CONTINGENCIES [Abstract] Tabular disclosure of deposit composition as on balance sheet date. Deposit composition [Table Text Block] Deposits summary Tabular disclosure of the maturities of time deposits for the next five years, by year, and thereafter. Maturities of time deposits for the next five years and thereafter [Table Text Block] Maturities of time deposits for the next five years and thereafter Amount of direct write-downs of financing receivables held for sale. Impairment of loans held for sale Impairment charge on loans held for sale Impairment of loans held for sale The amount of loss pertaining to the specified contingency that was charged against earnings in the period. Loss contingency related to Department of Justice Department of Justice fine The expense related to the collection of loans due. Loan collection expenses Loan collection expenses Share-based compensation arrangement by share-based payment award, options, maximum term period. Share Based Compensation Arrangement By Share Based Payment Award Options Maximum Term Period Award option term period The maximum number of shares (or other type of equity) originally approved (usually by shareholders and board of directors), net of any subsequent amendments and adjustments, for awards under the equity-based compensation plan. As stock or unit options and equity instruments other than options are awarded to participants, the shares or units remain authorized and become reserved for issuance under outstanding awards (not necessarily vested). Number of shares authorized for 2007 Long Term Incentive Plan Number of shares authorized for 2007 Long Term Incentive Plan (in shares) Share options authorized as a percentage of total Class A common stock. Share options authorized as a percentage of total class A common stock. The number of shares granted from unrestricted plan. Number of shares from unrestricted plan granted Number of shares from unrestricted plan granted (in shares) Range of exercise prices for bifurcation of options outstanding at the end of the period. Range Five [Member] $1.36 [Member] Name of the stock compensation plan. There may be more than one plan. Employee Stock Option Plan And Appreciation Right Plan [Member] Employee Stock Option And Appreciation Right Plan [Member] Name of the stock compensation plan. Director's and Employee's Stock Option Plan [Member] Name of the stock compensation plan. There may be more than one plan. Long Term Incentive Plan [Member] 2007 Long-Term Incentive Plan [Member] Long- Term Incentive Plan [Member] Directors' stock compensation plan. Director's Plan [Member] Director's Plan [Member] Unrestricted shares that the can be exercised at period end. Unrestricted Portion [Member] Range of exercise prices for bifurcation of options outstanding at the end of the period. Range Two [Member] $21.00 - $23.00 [Member] Range of exercise prices for bifurcation of options outstanding at the end of the period. Range Three [Member] $4.50 [Member] Range of exercise prices for bifurcation of options outstanding at the end of the period. Range One [Member] $17.00 - $20.00 [Member] Range of exercise prices for bifurcation of options outstanding at the end of the period. Range Four [Member] $20.08 [Member] Refers to the portfolio segment of the entity's total financing receivables related to multi-family. Multi family [Member] Multi Family [Member] Refers to the portfolio segment of the entity's total non-accrual financing receivables related to construction and land development. Construction and land development [Member] Construction and Land Development [Member] Net change to the allowance as a result of the sale of a subsidiary. Reduction due to Asian sale Reduction due to Asian sale Loan held for investment [Abstract] LHFI [Abstract] Allowance and the loan portfolio disaggregated by loan portfolio segment [Abstract] Details of allowance and the loan portfolio disaggregated by loan portfolio segment [Abstract] Receivables secured by tax liens on real estate. Tax Certificates [Member] Refers to the other portfolio segment of the entity's total financing receivables that are not separately disclosed. Other Portfolio Segment [Member] Other [Member] Allowance for Loan and Lease Losses [Abstract] Allowance For Loan and Lease Losses [Abstract] To be well capitalized capitalized under prompt corrective action provision, ratio [Abstract] Minimum requirement of Capital to risk weighted assets due to an agreement with regulatory agency. Minimum Capital To Risk Weighted Assets Required Total risk based capital ratio (in hundredths) Tier 1 capital divided by risk weighted assets as defined by regulations. Tier One Risk Based Capital To Risk Weighted Assets Under GAAP Tier I capital (to risk-weighted assets) (in hundredths) Total Capital divided by risk weighted assets as defined in the regulations. Capital To Risk Weighted Assets Under GAAP Total capital (to risk-weighted assets) (in hundredths) Tier 1 Leverage Capital divided by average assets as defined in the regulations. Tier One Leverage Capital To Average Assets Under GAAP Tier I capital (to average assets, leverage) (in hundredths) Actual Ratio Under US GAAP [Abstract] Actual Ratio Under US GAAP [Abstract] Tier 1 Leverage Capital divided by average assets as adjusted for RAP. Tier One Leverage Capital To Average Assets Adjusted For RAP Tier I capital (to average assets, leverage) (in hundredths) Total capital divided by risk weighted assets as adjusted for RAP. Capital To Risk Weighted Assets Adjusted For RAP Total capital (to risk-weighted assets) (in hundredths) Tier 1 capital divided by risk weighted assets as adjusted for RAP. Tier One Risk Based Capital To Risk Weighted Assets Adjusted For RAP Tier I capital (to risk-weighted assets) (in hundredths) Ratios As Adjusted Under US GAAP [Abstract] Ratios As Adjusted Under RAP [Abstract] Actual Ratio Under RAP [Abstract] To be well capitalized capitalized under prompt corrective action provision, amount [Abstract] To be well capitalized capitalized under prompt corrective action provision, amount [Abstract] For capital adequacy purposes, amount [Abstract] For capital adequacy purposes, amount [Abstract] For capital adequacy purposes, ratio [Abstract] Capital actual amount under regulations [Abstract] Capital ratios under regulatory accounting principles [Abstract] Capital ratios under regulatory accounting principles [Abstract] Refers to the regulatory report submission in connection with a prior bank regulatory examination. Regulatory report submission [Member] FR Y-9C [Member] Refers to the compliance with regulatory capital requirements under banking regulations. Compliance with Regulatory Capital Requirements under Banking Regulations [Domain] Minimum requirement of Tier 1 Leverage Capital divided by average assets due to an agreement with regulatory agency. Minimum Tier One Leverage Capital To Average Assets Required Minimum Tier one leverage ratio required (in hundredths) Refers to the net loss under regulatory accounting principles. Regulatory accounting principles, net loss RAP net loss Refers to the amount of tax lien adjustment, net of non controlling interest. Tax lien adjustment, net of noncontrolling interest Tax lien adjustment, net of noncontrolling interest Adjustments to net loss as well as the capital ratios [Abstract] Refers to the information related compliance with regulatory capital requirements under banking regulations. Compliance with Regulatory Capital Requirements under Banking Regulations [Axis] Tabular disclosure of the adjustments to net loss as well as the capital ratios under U.S. GAAP. Schedule of adjustments to net loss as well as the capital ratios [Table Text Block] Adjustments to net loss as well as the capital ratios Tabular disclosure of the Company's capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. Schedule Of Company Compliance With Regulatory Capital Requirements Under Banking Regulations [Table Text Block] Company capital ratios Tabular disclosure of the adjustments to net loss as well as the capital ratios under RAP. Schedule Of Adjustments To Net Loss As Well As Capital Ratios Under RAP [Table Text Block] Adjustment to Company's capital ratio under RAP Deductions derived from charitable contributions that cannot be utilized on the tax return during a period that have been carried forward to reduce taxable income or taxes payable in a future year. Charitable Contribution Carryovers [Member] Acquired bank's net operating loss carryforward available for use in the current year. Knoblauch State Bank Available to be utilized [Member] Knoblauch State Bank - Available to be utilized [Member] Further detail of operating loss carryforwards. Operating Loss Carryforwards, Further Breakdown [Domain] Further detail of operating loss carryforwards. Further Breakdown of Operating Loss Carryforwards [Axis] Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from the entity's investment in its wholly-owned subsidiaries. Deferred Tax Assets Investment in non wholly owned Subsidiaries Investment in partnerships Amount of deferred tax liability attributable to taxable temporary differences from unrealized gains in other comprehensive income related to equity securities. Deferred Tax Liabilities Other Comprehensive Income Equity Securities Unrealized gains on AFS equity securities Amount of deferred tax liability attributable to taxable temporary differences related to penalties on delinquent tax certificates. Penalties on delinquent tax certificates Amount of valuation allowance from AOCI items for which it is more likely than not that a tax benefit will not be realized. Deferred Tax Assets AOCI Valuation Allowance Less valuation allowance for equity securities Tax year that remains open to examination under enacted tax laws. 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DEPOSITS (Tables)
 12 Months Ended
Dec. 31, 2013
DEPOSITS [Abstract]  
Deposits summary
Deposits are summarized as follows:

 
 
As of December 31,
 
(In thousands)
 
2013
  
2012
 
Demand
 
$
60,473
  
$
58,531
 
NOW
  
45,375
   
43,920
 
Money Market
  
164,678
   
179,359
 
Savings
  
17,593
   
17,472
 
Time deposits (over $100)
  
92,763
   
91,233
 
Time deposits (under $100)
  
148,082
   
164,402
 
Total deposits
 
$
528,964
  
$
554,917
 
Maturities of time deposits for the next five years and thereafter
Maturities of time deposits for the next five years and thereafter are as follows:

 
 
As of
 
(In thousands)
 
December 31, 2013
 
2014
 
$
117,181
 
2015
  
88,948
 
2016
  
11,997
 
2017
  
5,373
 
2018
  
3,204
 
Thereafter
  
14,142
 
Total certificates of deposit
 
$
240,845
 
XML 18 R54.htm IDEA: XBRL DOCUMENT v2.4.0.8
INVESTMENT SECURITIES (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Position
Dec. 31, 2012
Position
Carrying value and fair value of available for sale investment securities [Abstract]    
Amortized cost $ 313,852,000 $ 343,879,000
Gross unrealized gains 4,568,000 6,270,000
Gross unrealized losses (9,693,000) (946,000)
Gross unrealized losses, Non-credit related OTTI in AOCI 0 0
Fair value 308,727,000 349,203,000
Decrease in investment portfolio (40,500,000)  
Amortized cost [Abstract]    
Within 1 year 11,806,000  
After 1 but within 5 years 6,432,000  
After 5 but within 10 years 33,519,000  
After 10 years 33,282,000  
Mortgage-backed securities-residential 32,769,000  
Collateralized mortgage obligations Issued or guaranteed by U.S. government agencies 188,194,000  
Collateralized mortgage obligations Non-agency 4,454,000  
Total available for sale debt securities 310,456,000  
No contractual maturity 3,396,000  
Total available for sale securities 313,852,000  
Fair value [Abstract]    
Within 1 year 10,257,000  
After 1 but within 5 years 6,359,000  
After 5 but within 10 years 31,246,000  
After 10 years 30,512,000  
Mortgage-backed securities residential 32,097,000  
Collateralized mortgage obligations issued or guaranteed by U.S. government agencies 189,103,000  
Collateralized mortgage obligations Non-agency 4,479,000  
Total available for sale debt securities 304,053,000  
No contractual maturity 4,674,000  
Total available for sale securities 308,727,000  
Proceeds from sales of AFS investment securities 31,046,000 28,246,000
Gross realized gains and losses on the sale of securities recognized in earnings [Abstract]    
Gross realized gains 416,000 1,211,000
Gross realized losses (258,000) (181,000)
Net realized gains 158,000 1,030,000
Available-for-sale securities pledged as collateral 70,400,000  
Available for sale securities, continuous unrealized loss position [Abstract]    
Less than 12 months, Fair value 142,071,000 83,086,000
12 months or longer, Fair value 33,664,000 6,053,000
Total, Fair value 175,735,000 89,139,000
Less than 12 months, Gross unrealized losses (7,322,000) (789,000)
12 months or longer, Gross unrealized losses (2,371,000) (157,000)
Total, Gross unrealized losses (9,693,000) (946,000)
Less than 12 months, Number of positions 54 33
12 months or longer, Number of positions 17 5
Total, Number of positions 71 38
Percentage of negatively impact on market value of securities (in hundredths) 72.00%  
Period of treasury yield 10 years  
Percentage of treasury yield (in hundredths) 3.03% 1.76%
Gain recorded by common stock investment sold   112,000
Other than Temporary Impairment Losses, Investments, Available-for-sale Securities [Abstract]    
Balance at beginning of year 173,000 173,000
Reductions for securities sold during the period (realized) (173,000) 0
Balance at end of year 0 173,000
Credit related impairment losses on debt securities held for which a portion of OTTI was recognized in other comprehensive income [Roll Forward]    
Other than temporary impairment losses on securities recognized in earnings 0 2,359,000
U.S. Government Agencies [Member]
    
Carrying value and fair value of available for sale investment securities [Abstract]    
Amortized cost 68,207,000 66,371,000
Gross unrealized gains 0 151,000
Gross unrealized losses (6,171,000) (78,000)
Gross unrealized losses, Non-credit related OTTI in AOCI 0 0
Fair value 62,036,000 66,444,000
Available for sale securities, continuous unrealized loss position [Abstract]    
Less than 12 months, Fair value 48,919,000 23,818,000
12 months or longer, Fair value 12,267,000 0
Total, Fair value 61,186,000 23,818,000
Less than 12 months, Gross unrealized losses (5,035,000) (78,000)
12 months or longer, Gross unrealized losses (1,136,000) 0
Total, Gross unrealized losses (6,171,000) (78,000)
Less than 12 months, Number of positions 16 8
12 months or longer, Number of positions 5 0
Total, Number of positions 21 8
Increase in gross unrealized losses from year to year 6,200,000  
Mortgage-backed Securities-residential [Member]
    
Carrying value and fair value of available for sale investment securities [Abstract]    
Amortized cost 32,769,000 30,038,000
Gross unrealized gains 210,000 518,000
Gross unrealized losses (882,000) (47,000)
Gross unrealized losses, Non-credit related OTTI in AOCI 0 0
Fair value 32,097,000 30,509,000
Available for sale securities, continuous unrealized loss position [Abstract]    
Less than 12 months, Fair value 18,045,000 7,280,000
12 months or longer, Fair value 6,276,000 0
Total, Fair value 24,321,000 7,280,000
Less than 12 months, Gross unrealized losses (518,000) (47,000)
12 months or longer, Gross unrealized losses (364,000) 0
Total, Gross unrealized losses (882,000) (47,000)
Less than 12 months, Number of positions 7 2
12 months or longer, Number of positions 2 0
Total, Number of positions 9 2
Increase in gross unrealized losses from year to year 835,000  
Collateralized Mortgage Obligations, Issued or Guaranteed by U.S. Government Agencies [Member]
    
Carrying value and fair value of available for sale investment securities [Abstract]    
Amortized cost 188,194,000 229,556,000
Gross unrealized gains 2,887,000 5,031,000
Gross unrealized losses (1,978,000) (611,000)
Gross unrealized losses, Non-credit related OTTI in AOCI 0 0
Fair value 189,103,000 233,976,000
Available for sale securities, continuous unrealized loss position [Abstract]    
Less than 12 months, Fair value 67,240,000 44,937,000
12 months or longer, Fair value 9,974,000 3,975,000
Total, Fair value 77,214,000 48,912,000
Less than 12 months, Gross unrealized losses (1,446,000) (592,000)
12 months or longer, Gross unrealized losses (532,000) (19,000)
Total, Gross unrealized losses (1,978,000) (611,000)
Less than 12 months, Number of positions 21 15
12 months or longer, Number of positions 3 2
Total, Number of positions 24 17
Increase in gross unrealized losses from year to year 1,400,000  
Collateralized Mortgage Obligations, Non-agency [Member]
    
Carrying value and fair value of available for sale investment securities [Abstract]    
Amortized cost 4,454,000 1,007,000
Gross unrealized gains 25,000 4,000
Gross unrealized losses 0 0
Gross unrealized losses, Non-credit related OTTI in AOCI 0 0
Fair value 4,479,000 1,011,000
Available for sale securities, continuous unrealized loss position [Abstract]    
Number of securities with unrealized gains 2  
Corporate Bonds [Member]
    
Carrying value and fair value of available for sale investment securities [Abstract]    
Amortized cost 9,669,000 7,477,000
Gross unrealized gains 25,000 32,000
Gross unrealized losses (256,000) (72,000)
Gross unrealized losses, Non-credit related OTTI in AOCI 0 0
Fair value 9,438,000 7,437,000
Available for sale securities, continuous unrealized loss position [Abstract]    
Less than 12 months, Fair value 4,848,000 2,165,000
12 months or longer, Fair value 965,000 941,000
Total, Fair value 5,813,000 3,106,000
Less than 12 months, Gross unrealized losses (221,000) (13,000)
12 months or longer, Gross unrealized losses (35,000) (59,000)
Total, Gross unrealized losses (256,000) (72,000)
Less than 12 months, Number of positions 5 2
12 months or longer, Number of positions 1 1
Total, Number of positions 6 3
Number of securities at or above investment grade 6  
Municipal Bonds [Member]
    
Carrying value and fair value of available for sale investment securities [Abstract]    
Amortized cost 7,163,000 5,645,000
Gross unrealized gains 0 0
Gross unrealized losses (263,000) (30,000)
Gross unrealized losses, Non-credit related OTTI in AOCI 0 0
Fair value 6,900,000 5,615,000
Available for sale securities, continuous unrealized loss position [Abstract]    
Less than 12 months, Fair value 3,019,000 4,597,000
12 months or longer, Fair value 3,881,000 882,000
Total, Fair value 6,900,000 5,479,000
Less than 12 months, Gross unrealized losses (102,000) (21,000)
12 months or longer, Gross unrealized losses (161,000) (9,000)
Total, Gross unrealized losses (263,000) (30,000)
Less than 12 months, Number of positions 5 5
12 months or longer, Number of positions 4 1
Total, Number of positions 9 6
Common Stocks [Member]
    
Carrying value and fair value of available for sale investment securities [Abstract]    
Amortized cost 33,000 33,000
Gross unrealized gains 16,000 14,000
Gross unrealized losses 0 0
Gross unrealized losses, Non-credit related OTTI in AOCI 0 0
Fair value 49,000 47,000
Available for sale securities, continuous unrealized loss position [Abstract]    
Number of securities with unrealized gains 2  
Number of investment securities sold   1
Other Securities [Member]
    
Carrying value and fair value of available for sale investment securities [Abstract]    
Amortized cost 3,363,000 3,752,000
Gross unrealized gains 1,405,000 520,000
Gross unrealized losses (143,000) (108,000)
Gross unrealized losses, Non-credit related OTTI in AOCI 0 0
Fair value 4,625,000 4,164,000
Available for sale securities, continuous unrealized loss position [Abstract]    
Less than 12 months, Fair value 0 289,000
12 months or longer, Fair value 301,000 255,000
Total, Fair value 301,000 544,000
Less than 12 months, Gross unrealized losses 0 (38,000)
12 months or longer, Gross unrealized losses (143,000) (70,000)
Total, Gross unrealized losses (143,000) (108,000)
Less than 12 months, Number of positions 0 1
12 months or longer, Number of positions 2 1
Total, Number of positions 2 2
Number of securities invested in real estate funds 7  
Number of securities considered not to be other than temporarily impaired 2  
Number of securities recording an impairment charge   2
Impairment charges on private equity funds   1,500,000
Credit related impairment charge on private equity fund   859,000
Credit related impairment losses on debt securities held for which a portion of OTTI was recognized in other comprehensive income [Roll Forward]    
Other than temporary impairment losses on securities recognized in earnings $ 0 $ 2,359,000
XML 19 R48.htm IDEA: XBRL DOCUMENT v2.4.0.8
FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)
 12 Months Ended
Dec. 31, 2013
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]  
Schedule of Financial Assets Measured at Fair Value on Recurring Basis
For financial assets measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2013 and 2012 are as follows:

As of December 31, 2013
 
Fair Value Measurements Using
  
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Fair Value
 
Assets
 
  
  
  
 
Investment securities available-for-sale
 
  
  
  
 
U.S. government agencies
 
$
-
  
$
62,036
  
$
-
  
$
62,036
 
Mortgage-backed  securities-residential
  
-
   
32,097
   
-
   
32,097
 
Collateralized mortgage obligations:
                
Issued or guaranteed by U.S. government agencies
  
-
   
189,103
   
-
   
189,103
 
Non-agency
  
-
   
4,479
   
-
   
4,479
 
Corporate bonds
  
-
   
9,438
   
-
   
9,438
 
Municipal bonds
  
-
   
6,900
   
-
   
6,900
 
Other securities
  
-
   
-
   
4,625
   
4,625
 
Common stocks
  
49
   
-
   
-
   
49
 
Total available for sale
 
$
49
  
$
304,053
  
$
4,625
  
$
308,727
 
 
                
As of December 31, 2012
 
Fair Value Measurements Using
     
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Fair Value
 
Assets
                
Investment securities available-for-sale
                
U.S. government agencies
 
$
-
  
$
66,444
  
$
-
  
$
66,444
 
Mortgage-backed  securities-residential
  
-
   
30,509
   
-
   
30,509
 
Collateralized mortgage obligations:
                
Issued or guaranteed by U.S. government agencies
  
-
   
233,976
   
-
   
233,976
 
Non-agency
  
-
   
1,011
   
-
   
1,011
 
Corporate bonds
  
-
   
7,437
   
-
   
7,437
 
Municipal bonds
  
-
   
5,615
   
-
   
5,615
 
Other securities
  
-
   
-
   
4,164
   
4,164
 
Common stocks
  
47
   
-
   
-
   
47
 
Total available for sale
 
$
47
  
$
344,992
  
$
4,164
  
$
349,203
 
 
Additional Information About Assets Measured at Fair Value on a Recurring Basis, Level 3 Inputs
The following tables present additional information about assets measured at fair value on a recurring basis and for which the Company has utilized Level 3 inputs to determine fair value for the years ended December 31, 2013 and 2012:

(In thousands)
 
Other
 
Investment Securities Available for Sale
 
securities
 
 
 
 
Beginning balance January 1, 2013
 
$
4,164
 
Total gains/(losses) - (realized/unrealized):
    
Included in earnings
  
94
 
Included in other comprehensive income
  
850
 
Purchases
  
70
 
Sales and calls
  
(553
)
Transfers in and/or out of Level 3
  
-
 
Ending balance December 31, 2013
 
$
4,625
 

 
 
Trust
  
  
 
(In thousands)
 
preferred
  
Other
  
 
Investment Securities Available for Sale
 
securities
  
securities
  
Total
 
 
 
  
  
 
Beginning balance January 1, 2012
 
$
12,603
  
$
6,918
  
$
19,521
 
Total gains/(losses) - (realized/unrealized):
            
Included in earnings
  
126
   
(1,817
)
  
(1,691
)
Included in other comprehensive income
  
(1,938
)
  
79
   
(1,859
)
Purchases
  
-
   
788
   
788
 
Sales and calls
  
(10,773
)
  
(1,804
)
  
(12,577
)
Amortization of premium
  
(18
)
  
-
   
(18
)
Transfers in and/or out of Level 3
  
-
   
-
   
-
 
Ending balance December 31, 2012
 
$
-
  
$
4,164
  
$
4,164
 
 
Financial Assets Measured at Fair Value on Nonrecurring Basis
For financial assets measured at fair value on a nonrecurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2013 and 2012 are as follows:

As of December 31, 2013
 
Fair Value Measurements Using
  
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Fair Value
 
Assets
 
  
  
  
 
Impaired loans
 
$
-
  
$
-
  
$
4,073
  
$
4,073
 
Other real estate owned
  
-
   
-
   
9,182
   
9,182
 
Loans and leases held for sale
  
-
   
-
   
1,446
   
1,446
 

As of December 31, 2012
 
Fair Value Measurements Using
  
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Fair Value
 
Assets
 
  
  
  
 
Impaired loans
 
$
-
  
$
-
  
$
9,180
  
$
9,180
 
Other real estate owned
  
-
   
-
   
7,632
   
7,632
 
Loans and leases held for sale
  
-
   
-
   
1,572
   
1,572
 
Schedule of quantitative information about assets measured at fair value on nonrecurring basis
The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Company has utilized Level 3 inputs to determine fair value:

 
 
Qualitative Information about Level 3 Fair Value Measurements
 
As of December 31, 2013
 
 
Valuation
Unobservable
 
Range (Weighted
 
(In thousands)
 
Fair Value
 
Techniques
Input
 
Average)
 
Impaired loans and leases
 
$
4,073
 
Appraisal of collateral (1)
Appraisal adjustments
 
0.0% to -25.0% (-2.0%)
 
 
    
   
Liquidation  expenses
 
0.0% to -23.2% (-6.7%)
 
 
    
 
 
 
 
 
    
Salvageable value of
 
  
0.0
%
 
    
collateral (2)
 
    
 
    
 
 
    
Other real estate owned
  
9,182
 
Appraisal of collateral (1)
Appraisal adjustments
 
0.0% to -62.5% (-11.2%)
 
 
    
Sales prices
Liquidation  expenses
 
-2.8% to -6.8% (-5.0%)
 
 
    
 
 
    
Loans and leases held for sale
  
1,446
 
Sales prices (3)
 
    

(1)Appraisals or brokers opinions of collateral values may be adjusted for qualitative factors such as interior condition of the property and liquidation expenses.  Fair value may also be based on negotiated settlements with the borrower.
 
(2)Leases are measured using the salvageable value of the collateral.
 
(3)Fair value was based on agreement with specific buyer.
Fair Value by Balance Sheet Grouping Instruments
Fair values for the Company’s off-balance sheet financial instruments (lending commitments and letters of credit) are based on fees currently charged in the market to enter into similar agreements, taking into account, the remaining terms of the agreements and the counterparties’ credit standing.  They are not shown in the table because the amounts are immaterial.
 
 
 
  
  
Fair Value Measurements
 
 
 
  
  
At December 31, 2013
 
 
 
  
  
Quoted Prices
  
  
 
 
 
  
  
in Active
  
Significant
  
 
 
 
  
  
Markets for
  
Other
  
Significant
 
 
 
  
  
Identical
  
Observable
  
Unobservable
 
 
 
Carrying
  
Estimated
  
Assets
  
Inputs
  
Inputs
 
(In thousands)
 
amount
  
fair value
  
Level 1
  
Level 2
  
Level 3
 
Financial Assets:
 
  
  
  
  
 
Cash and cash  equivalents
 
$
16,844
  
$
16,844
  
$
16,844
  
$
-
  
$
-
 
AFS investment securities
  
308,727
   
308,727
   
49
   
304,053
   
4,625
 
Other investment
  
2,250
   
2,250
   
-
   
-
   
2,250
 
Federal Home Loan Bank stock
  
4,204
   
4,204
   
-
   
-
   
4,204
 
Loans held for sale
  
1,446
   
1,446
   
-
   
-
   
1,446
 
Loans, net
  
352,810
   
349,336
   
-
   
-
   
349,336
 
Accrued interest receivable
  
7,054
   
7,054
   
-
   
7,054
   
-
 
 
                    
Financial Liabilities:
                    
Demand deposits
  
60,473
   
60,473
   
-
   
60,473
   
-
 
NOW and money markets
  
210,053
   
210,053
   
-
   
210,053
   
-
 
Savings
  
17,593
   
17,593
   
-
   
17,593
   
-
 
Time deposits
  
240,845
   
239,102
   
-
   
239,102
   
-
 
Short-term borrowings
  
10,000
   
10,000
   
10,000
   
-
   
-
 
Long-term borrowings
  
97,881
   
94,896
   
-
   
94,896
   
-
 
Subordinated debt
  
25,774
   
26,000
   
-
   
26,000
   
-
 
Accrued interest payable
  
965
   
965
   
-
   
965
   
-
 

 
 
  
  
Fair Value Measurements
 
 
 
  
  
At December 31, 2012
 
 
 
  
  
Quoted Prices
  
  
 
 
 
  
  
in Active
  
Significant
  
 
 
 
  
  
Markets for
  
Other
  
Significant
 
 
 
  
  
Identical
  
Observable
  
Unobservable
 
 
 
Carrying
  
Estimated
  
Assets
  
Inputs
  
Inputs
 
(In thousands)
 
amount
  
fair value
  
Level 1
  
Level 2
  
Level 3
 
Financial Assets:
 
  
  
  
  
 
Cash and cash equivalents
 
$
28,802
  
$
28,802
  
$
28,802
  
$
-
  
$
-
 
AFS investment securities
  
349,203
   
349,203
   
47
   
344,992
   
4,164
 
Other investment
  
2,250
   
2,250
   
-
   
-
   
2,250
 
Federal Home Loan Bank stock
  
6,011
   
6,011
   
-
   
-
   
6,011
 
Loans held for sale
  
1,572
   
1,572
   
-
   
-
   
1,572
 
Loans, net
  
326,904
   
330,260
   
-
   
-
   
330,260
 
Accrued interest receivable
  
10,256
   
10,256
   
-
   
10,256
   
-
 
 
                    
Financial Liabilities:
                    
Demand deposits
  
58,531
   
58,531
   
-
   
58,531
   
-
 
NOW and money markets
  
223,279
   
223,279
   
-
   
223,279
   
-
 
Savings
  
17,472
   
17,472
   
-
   
17,472
   
-
 
Time deposits
  
255,635
   
251,532
   
-
   
251,532
   
-
 
Long-term borrowings
  
108,333
   
102,824
   
-
   
102,824
   
-
 
Subordinated debt
  
25,774
   
23,837
   
-
   
23,837
   
-
 
Accrued interest payable
  
3,760
   
3,760
   
-
   
3,760
   
-
 
 
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SHAREHOLDERS' EQUITY (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Preferred Stock [Abstract]    
Preferred stock, shares issued (in shares) 30,407 30,407
Preferred stock, liquidation value (in dollars per share) $ 1,000 $ 1,000
Common Stock [Abstract]    
Rate class B shares may be converted to class A shares 1.15 to 1  
Noncontrolling Interest [Line Items]    
Amount credit to Additional Paid in Capital $ 1,550,000  
Crusader Servicing Corporation [Member]
    
Noncontrolling Interest [Line Items]    
Percentage of ownership interest in subsidiary (in hundredths)   60.00%
Percentage of relinquished ownership interest (in hundredths) 20.00%  
Total percentage of ownership interest (in hundredths) 80.00%  
Royal Tax Lien Services, LLC [Member]
    
Noncontrolling Interest [Line Items]    
Percentage of ownership interest in subsidiary (in hundredths)   60.00%
Percentage of additional ownership interest acquired (in hundredths) 40.00%  
Payment for tax distribution related additional ownership interest 400,000  
Amount credit to Additional Paid in Capital 850,000  
Total percentage of ownership interest (in hundredths) 100.00%  
Crusader Servicing Corporation and Royal Tax Lien Services, LLC [Member]
    
Noncontrolling Interest [Line Items]    
Combined value of ownership interest 2,600,000  
Series A Preferred Stock [Member]
    
Preferred Stock [Abstract]    
Aggregate purchase price 30,400,000  
Preferred stock cumulative dividend rate percentage for first five years (in hundredths) 5.00%  
Preferred stock cumulative dividend rate percentage for thereafter five years (in hundredths) 9.00%  
Number of years for warrant issued to treasury 10 years  
Warrants, exercise price (in dollars per share) $ 4.13  
Payments of Dividends [Abstract]    
Value on which quarterly dividend is suspended 30,400,000  
Preferred stock dividend in arrears $ 7,700,000  
Common Class A [Member]
    
Preferred Stock [Abstract]    
Number of shares to be purchased by warrant (in shares) 1,104,370  
Common Stock [Abstract]    
Rate class B shares may be converted to class A shares 1.15 to 1  
Number of vote for class of shares held 1  
Common Class B [Member]
    
Common Stock [Abstract]    
Rate class B shares may be converted to class A shares 1.15 to 1  
Number of vote for class of shares held 10  

XML 22 R55.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS AND LEASES - Major Classification of LHFI (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Loan
Dec. 31, 2012
Major classifications of loans held for investment [Abstract]    
Total gross loans $ 366,481,000 $ 344,682,000
Less: Deferred loan fees 0 [1] (517,000) [1]
Total LHFI, net of unearned income 366,481,000 344,165,000
Related Party Transaction [Line Items]    
Number of new related party loans 0  
Officer and Directors [Member]
    
Related Party Transaction [Line Items]    
Loan and loan commitments 234,000 1,400,000
Payments received from related party loans 1,200,000  
Commercial Real Estate [Member]
    
Major classifications of loans held for investment [Abstract]    
Total gross loans 148,293,000 167,115,000
Construction and Land Development [Member]
    
Major classifications of loans held for investment [Abstract]    
Total gross loans 45,261,000 37,215,000
Total LHFI, net of unearned income 45,261,000  
Commercial and Industrial [Member]
    
Major classifications of loans held for investment [Abstract]    
Total gross loans 79,589,000 40,560,000
Multi Family [Member]
    
Major classifications of loans held for investment [Abstract]    
Total gross loans 11,737,000 11,756,000
Total LHFI, net of unearned income 11,737,000  
Residential Real Estate [Member]
    
Major classifications of loans held for investment [Abstract]    
Total gross loans 25,535,000 24,981,000
Leases [Member]
    
Major classifications of loans held for investment [Abstract]    
Total gross loans 42,524,000 37,347,000
Total LHFI, net of unearned income 42,524,000  
Tax Certificates [Member]
    
Major classifications of loans held for investment [Abstract]    
Total gross loans 12,716,000 24,569,000
Total LHFI, net of unearned income 12,716,000  
Consumer [Member]
    
Major classifications of loans held for investment [Abstract]    
Total gross loans 826,000 1,139,000
Total LHFI, net of unearned income $ 826,000  
[1] For the 2013 period net deferred fees were allocated among the various loan types.
XML 23 R78.htm IDEA: XBRL DOCUMENT v2.4.0.8
FAIR VALUE OF FINANCIAL INSTRUMENTS - UNOBSERVABLE INPUT RECONCILIATION (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Assets measured at fair value on recurring basis Level 3 inputs [Roll Forward]    
Beginning balance   $ 19,521
Total gains/(losses) - (realized/unrealized) [Abstract]    
Included in earnings   (1,691)
Included in other comprehensive income   (1,859)
Purchases   788
Sales and calls   (12,577)
Amortization of premium   (18)
Transfers in and/or out of Level 3   0
Ending balance   4,164
Trust Preferred Securities [Member]
    
Assets measured at fair value on recurring basis Level 3 inputs [Roll Forward]    
Beginning balance   12,603
Total gains/(losses) - (realized/unrealized) [Abstract]    
Included in earnings   126
Included in other comprehensive income   (1,938)
Purchases   0
Sales and calls   (10,773)
Amortization of premium   (18)
Transfers in and/or out of Level 3   0
Ending balance   0
Other Securities [Member]
    
Assets measured at fair value on recurring basis Level 3 inputs [Roll Forward]    
Beginning balance 4,164 6,918
Total gains/(losses) - (realized/unrealized) [Abstract]    
Included in earnings 94 (1,817)
Included in other comprehensive income 850 79
Purchases 70 788
Sales and calls (553) (1,804)
Amortization of premium   0
Transfers in and/or out of Level 3 0 0
Ending balance $ 4,625 $ 4,164
XML 24 R46.htm IDEA: XBRL DOCUMENT v2.4.0.8
EARNINGS PER COMMON SHARE ("EPS") (Tables)
 12 Months Ended
Dec. 31, 2013
EARNINGS PER COMMON SHARE ("EPS") [Abstract]  
Schedule of Computation of Basic and Diluted Earning Per Share
Basic and diluted EPS are calculated as follows:

 
 
For the year ended December 31, 2013
 
 
 
Income
  
Average shares
  
Per share
 
(In thousands, except for per share data)
 
(numerator)
  
(denominator)
  
Amount
 
Basic and Diluted EPS
 
  
  
 
Income available to common shareholders
 
$
34
   
13,279
  
$
0.00
 

 
 
 
For the year ended December 31, 2012
 
 
 
Loss
  
Average shares
  
Per share
 
(In thousands, except for per share data)
 
(numerator)
  
(denominator)
  
Amount
 
Basic and Diluted EPS
 
  
  
 
Loss available to common shareholders
 
$
(17,663
)
  
13,257
  
$
(1.33
)
XML 25 R33.htm IDEA: XBRL DOCUMENT v2.4.0.8
INVESTMENT SECURITIES (Tables)
 12 Months Ended
Dec. 31, 2013
INVESTMENT SECURITIES [Abstract]  
Amortized cost, gross unrealized gains and losses, and fair value of available-for-sale investment securities
The amortized cost, gross unrealized gains and losses, and fair value of the Company’s available-for-sale investment securities are summarized as follows:

As of December 31, 2013
 
  
Included in AOCL*
  
 
(In thousands)
 
Amortized
cost
  
Gross
unrealized
gains
  
Gross
unrealized
losses
  
Fair value
 
Investment securities available-for-sale
 
  
  
  
 
U.S. government agencies
 
$
68,207
  
$
-
  
$
(6,171
)
 
$
62,036
 
Mortgage-backed  securities-residential
  
32,769
   
210
   
(882
)
  
32,097
 
Collateralized mortgage obligations:
                
Issued or guaranteed by U.S. government agencies
  
188,194
   
2,887
   
(1,978
)
  
189,103
 
Non-agency
  
4,454
   
25
   
-
   
4,479
 
Corporate bonds
  
9,669
   
25
   
(256
)
  
9,438
 
Municipal bonds
  
7,163
   
-
   
(263
)
  
6,900
 
Common stocks
  
33
   
16
   
-
   
49
 
Other securities
  
3,363
   
1,405
   
(143
)
  
4,625
 
Total available for sale
 
$
313,852
  
$
4,568
  
$
(9,693
)
 
$
308,727
 

As of December 31, 2012
 
  
Included in AOCL*
  
 
(In thousands)
 
Amortized
cost
  
Gross
unrealized
gains
  
Gross
unrealized
losses
  
Fair value
 
Investment securities available-for-sale
 
  
  
  
 
U.S. government agencies
 
$
66,371
  
$
151
  
$
(78
)
 
$
66,444
 
Mortgage-backed  securities-residential
  
30,038
   
518
   
(47
)
  
30,509
 
Collateralized mortgage obligations:
                
Issued or guaranteed by U.S. government agencies
  
229,556
   
5,031
   
(611
)
  
233,976
 
Non-agency
  
1,007
   
4
   
-
   
1,011
 
Corporate bonds
  
7,477
   
32
   
(72
)
  
7,437
 
Municipal bonds
  
5,645
   
-
   
(30
)
  
5,615
 
Common stocks
  
33
   
14
   
-
   
47
 
Other securities
  
3,752
   
520
   
(108
)
  
4,164
 
Total available for sale
 
$
343,879
  
$
6,270
  
$
(946
)
 
$
349,203
 

*
Accumulated other comprehensive loss
Amortized cost and fair value of investment securities, by contractual maturity
The amortized cost and fair value of investment securities at December 31, 2013, by contractual maturity, are shown below.  Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.

 
 
As of December 31, 2013
 
(In thousands)
 
Amortized
cost
  
Fair value
 
Within 1 year
 
$
11,806
  
$
10,257
 
After 1 but within 5 years
  
6,432
   
6,359
 
After 5 but within 10 years
  
33,519
   
31,246
 
After 10 years
  
33,282
   
30,512
 
Mortgage-backed  securities-residential
  
32,769
   
32,097
 
Collateralized mortgage obligations:
        
Issued or guaranteed by U.S. government agencies
  
188,194
   
189,103
 
Non-agency
  
4,454
   
4,479
 
Total available for sale debt securities
  
310,456
   
304,053
 
No contractual maturity
  
3,396
   
4,674
 
Total available for sale securities
 
$
313,852
  
$
308,727
 
Gross realized gains and losses realized on sale of securities
The following table summarizes gross realized gains and losses realized on the sale of securities recognized in earnings in the periods indicated:

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
Gross realized gains
 
$
416
  
$
1,211
 
Gross realized losses
  
(258
)
  
(181
)
Net realized gains
 
$
158
  
$
1,030
 
 
Investment securities in a continuous unrealized loss position
The tables below indicate the length of time individual securities have been in a continuous unrealized loss position at December 31, 2013 and 2012:

As of December 31, 2013
 
Less than 12 months
  
12 months or longer
  
Total
 
(In thousands)
 
Fair value
  
Gross
unrealized
losses
  
Number of
 positions
  
Fair value
  
Gross
unrealized
 losses
  
Number of
positions
  
Fair value
  
Gross
 unrealized
losses
  
Number of
positions
 
Investment securities available for sale
 
  
  
  
  
  
  
  
  
 
U.S. government agencies
 
$
48,919
  
$
(5,035
)
  
16
  
$
12,267
  
$
(1,136
)
  
5
  
$
61,186
  
$
(6,171
)
  
21
 
Mortgage-backed  securities-residential
  
18,045
   
(518
)
  
7
   
6,276
   
(364
)
  
2
   
24,321
   
(882
)
  
9
 
Collateralized mortgage obligations:
                                    
Issued or guaranteed by U.S. government agencies
  
67,240
   
(1,446
)
  
21
   
9,974
   
(532
)
  
3
   
77,214
   
(1,978
 
)
  
24
 
Corporate bonds
  
4,848
   
(221
)
  
5
   
965
   
(35
)
  
1
   
5,813
   
(256
)
  
6
 
Municipal bonds
  
3,019
   
(102
)
  
5
   
3,881
   
(161
)
  
4
   
6,900
   
(263
)
  
9
 
Other securities
  
-
   
-
   
-
   
301
   
(143
)
  
2
   
301
   
(143
)
  
2
 
Total available for sale
 
$
142,071
  
$
(7,322
)
  
54
  
$
33,664
  
$
(2,371
)
  
17
  
$
175,735
  
$
(9,693
)
  
71
 

As of December 31, 2012
 
Less than 12 months
  
12 months or longer
  
Total
 
(In thousands)
 
Fair value
  
Gross
unrealized
losses
  
Number
of
positions
  
Fair value
  
Gross
unrealized
losses
  
Number of
positions
  
Fair value
  
Gross
unrealized
losses
  
Number
 of
positions
 
Investment securities available for sale
 
  
  
  
  
  
  
  
  
 
U.S. government agencies
 
$
23,818
  
$
(78
)
  
8
  
$
-
  
$
-
   
-
  
$
23,818
  
$
(78
)
  
8
 
Mortgage-backed securities-residential
  
7,280
   
(47
)
  
2
   
-
   
-
   
-
   
7,280
   
(47
)
  
2
 
Collateralized mortgage obligations:
                                    
Issued or guaranteed by U.S. government agencies
  
44,937
   
(592
)
  
15
   
3,975
   
(19
)
  
2
   
48,912
   
(611
 
)
  
17
 
Corporate bonds
  
2,165
   
(13
)
  
2
   
941
   
(59
)
  
1
   
3,106
   
(72
)
  
3
 
Municipal bonds
  
4,597
   
(21
)
  
5
   
882
   
(9
)
  
1
   
5,479
   
(30
)
  
6
 
Other securities
  
289
   
(38
)
  
1
   
255
   
(70
)
  
1
   
544
   
(108
)
  
2
 
Total available for sale
 
$
83,086
  
$
(789
)
  
33
  
$
6,053
  
$
(157
)
  
5
  
$
89,139
  
$
(946
)
  
38
 
 
Schedule of credit related impairment losses on debt securities held, for portion of OTTI was recognized in other comprehensive income
The following table presents a roll-forward of the balance of credit-related impairment losses on debt securities held at December 31, 2013 and 2012 for which a portion of an other-than-temporary impairment was recognized in other comprehensive income:

(In thousands)
 
2013
  
2012
 
Balance at January 1,
 
$
173
  
$
173
 
Reductions for securities sold during the period (realized)
  
(173
)
  
-
 
Balance at December 31,
 
$
-
  
$
173
 
 
The following table summarizes other-than-temporary impairment losses on securities recognized in earnings in the periods indicated:

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
Other securities
 
$
-
  
$
2,359
 
Total OTTI recognized in earnings
 
$
-
  
$
2,359
 
XML 26 R79.htm IDEA: XBRL DOCUMENT v2.4.0.8
FAIR VALUE OF FINANCIAL INSTRUMENTS - QUANTITATIVE INFORMATION (Details) (Significant Unobservable Inputs Level 3 [Member], USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Minimum [Member] | Impaired loans and leases [Member]
  
Additional quantitative information about assets measured at fair value on a nonrecurring basis [Abstract]  
Range (Weighted Average) of Liquidation expenses (in hundredths) 0.00% [1]
Maximum [Member] | Impaired loans and leases [Member]
  
Additional quantitative information about assets measured at fair value on a nonrecurring basis [Abstract]  
Range (Weighted Average) of Liquidation expenses (in hundredths) (23.20%) [1]
Weighted Average [Member] | Impaired loans and leases [Member]
  
Additional quantitative information about assets measured at fair value on a nonrecurring basis [Abstract]  
Range (Weighted Average) of Liquidation expenses (in hundredths) (6.70%) [1]
Appraisal of collateral valuation technique [Member] | Impaired loans and leases [Member]
  
Additional quantitative information about assets measured at fair value on a nonrecurring basis [Abstract]  
Assets, Fair Value $ 4,073
Appraisal of collateral valuation technique [Member] | Other real estate owned [Member]
  
Additional quantitative information about assets measured at fair value on a nonrecurring basis [Abstract]  
Assets, Fair Value 9,182
Appraisal of collateral valuation technique [Member] | Minimum [Member] | Impaired loans and leases [Member]
  
Additional quantitative information about assets measured at fair value on a nonrecurring basis [Abstract]  
Range (Weighted Average) of Appraisal adjustments (in hundredths) 0.00% [1]
Appraisal of collateral valuation technique [Member] | Minimum [Member] | Other real estate owned [Member]
  
Additional quantitative information about assets measured at fair value on a nonrecurring basis [Abstract]  
Range (Weighted Average) of Appraisal adjustments (in hundredths) 0.00% [1]
Appraisal of collateral valuation technique [Member] | Maximum [Member] | Impaired loans and leases [Member]
  
Additional quantitative information about assets measured at fair value on a nonrecurring basis [Abstract]  
Range (Weighted Average) of Appraisal adjustments (in hundredths) (25.00%) [1]
Appraisal of collateral valuation technique [Member] | Maximum [Member] | Other real estate owned [Member]
  
Additional quantitative information about assets measured at fair value on a nonrecurring basis [Abstract]  
Range (Weighted Average) of Appraisal adjustments (in hundredths) (62.50%) [1]
Appraisal of collateral valuation technique [Member] | Weighted Average [Member] | Impaired loans and leases [Member]
  
Additional quantitative information about assets measured at fair value on a nonrecurring basis [Abstract]  
Range (Weighted Average) of Appraisal adjustments (in hundredths) (2.00%) [1]
Appraisal of collateral valuation technique [Member] | Weighted Average [Member] | Other real estate owned [Member]
  
Additional quantitative information about assets measured at fair value on a nonrecurring basis [Abstract]  
Range (Weighted Average) of Appraisal adjustments (in hundredths) (11.20%) [1]
Salvageable value of collateral valuation technique [Member] | Impaired loans and leases [Member]
  
Additional quantitative information about assets measured at fair value on a nonrecurring basis [Abstract]  
Range (Weighted Average) of Salvageable value of collateral (in hundredths) 0.00% [2]
Sales prices [Member] | Loans and leases held for sale [Member]
  
Additional quantitative information about assets measured at fair value on a nonrecurring basis [Abstract]  
Assets, Fair Value $ 1,446
Sales prices [Member] | Minimum [Member] | Other real estate owned [Member]
  
Additional quantitative information about assets measured at fair value on a nonrecurring basis [Abstract]  
Range (Weighted Average) of Liquidation expenses (in hundredths) (2.80%)
Sales prices [Member] | Maximum [Member] | Other real estate owned [Member]
  
Additional quantitative information about assets measured at fair value on a nonrecurring basis [Abstract]  
Range (Weighted Average) of Liquidation expenses (in hundredths) (6.80%)
Sales prices [Member] | Weighted Average [Member] | Other real estate owned [Member]
  
Additional quantitative information about assets measured at fair value on a nonrecurring basis [Abstract]  
Range (Weighted Average) of Liquidation expenses (in hundredths) (5.00%)
[1] Appraisals or brokers opinions of collateral values may be adjusted for qualitative factors such as interior condition of the property and liquidation expenses. Fair value may also be based on negotiated settlements with the borrower.
[2] Leases are measured using the salvageable value of the collateral.
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STOCK COMPENSATION PLANS (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Share-based Payment Award [Line Items]    
Compensation expense $ 22,000 $ 42,000
Employee Stock Option And Appreciation Right Plan [Member]
    
Summary of the Status of the Plan [Roll Forward]    
Options outstanding at beginning of year (in shares) 217,561 335,919
Exercised (in shares) 0 0
Forfeited (in shares) (119,137) (74,569)
Expired (in shares) (15,644) (43,789)
Options outstanding at end of the year (in shares) 82,780 217,561
Options exercisable at end of the year (in shares) 82,780 217,561
Weighted Average Exercise Price [Roll Forward]    
Options outstanding, weighted average exercise price at beginning of year (in dollars per share) $ 21.50 $ 21.01
Exercised, weighted average exercise price (in dollars per share) $ 0 $ 0
Forfeited, weighted average exercise price (in dollars per share) $ 21.53 $ 21.42
Expired, weighted average exercise price (in dollars per share) $ 18.27 $ 17.91
Options outstanding, weighted average exercise price at the end of the year (in dollars per share) $ 22.06 $ 21.50
Options exercisable, weighted average exercise price at the end of the year (in dollars per share) $ 22.06 $ 21.50
Options, Additional Disclosures [Abstract]    
Options outstanding, weighted average remaining term at the end of the year 1 year 1 month 6 days 1 year 3 months 18 days
Options exercisable, weighted average remaining term at the end of the year 1 year 1 month 6 days  
Options outstanding, average intrinsic value at the end of the year 0 [1]  
Options exercisable, average intrinsic value at the end of the year 0 [1]  
Employee Stock Option And Appreciation Right Plan [Member] | Minimum [Member]
    
Share-based Payment Award [Line Items]    
Award option term period   1 year
Employee Stock Option And Appreciation Right Plan [Member] | Maximum [Member]
    
Share-based Payment Award [Line Items]    
Award option term period   10 years
Director's Plan [Member] | Minimum [Member]
    
Share-based Payment Award [Line Items]    
Award option term period   1 year
Director's Plan [Member] | Maximum [Member]
    
Share-based Payment Award [Line Items]    
Award option term period   10 years
Director's Plan [Member] | Stock Options [Member]
    
Summary of the Status of the Plan [Roll Forward]    
Options outstanding at beginning of year (in shares) 58,306 68,620
Exercised (in shares) 0 0
Forfeited (in shares) (24,286) 0
Expired (in shares) (8,350) (10,314)
Options outstanding at end of the year (in shares) 25,670 58,306
Options exercisable at end of the year (in shares) 25,670 58,306
Weighted Average Exercise Price [Roll Forward]    
Options outstanding, weighted average exercise price at beginning of year (in dollars per share) $ 21.15 $ 20.66
Exercised, weighted average exercise price (in dollars per share) $ 0 $ 0
Forfeited, weighted average exercise price (in dollars per share) $ 21.24 $ 0
Expired, weighted average exercise price (in dollars per share) $ 18.27 $ 17.91
Options outstanding, weighted average exercise price at the end of the year (in dollars per share) $ 22.00 $ 21.15
Options exercisable, weighted average exercise price at the end of the year (in dollars per share) $ 22.00 $ 21.15
Options, Additional Disclosures [Abstract]    
Options outstanding, weighted average remaining term at the end of the year 1 year 6 months 1 year 2 months 12 days
Options exercisable, weighted average remaining term at the end of the year 1 year 6 months  
Options outstanding, average intrinsic value at the end of the year 0 [1]  
Options exercisable, average intrinsic value at the end of the year 0 [1]  
2007 Long-Term Incentive Plan [Member]
    
Share-based Payment Award [Line Items]    
Compensation expense 22,000 42,000
Number of shares authorized for 2007 Long Term Incentive Plan (in shares) 1,000,000  
Number of shares from unrestricted plan granted (in shares) 187,390  
Share options authorized as a percentage of total class A common stock. 9.00%  
Summary of the Status of the Plan [Roll Forward]    
Options outstanding at beginning of year (in shares) 86,226 116,440
Granted (in shares) 15,000 0
Exercised (in shares) 0 0
Forfeited (in shares) (11,840) (30,214)
Expired (in shares) 0 0
Options outstanding at end of the year (in shares) 89,386 86,226
Options exercisable at end of the year (in shares) 74,386 75,706
Weighted Average Exercise Price [Roll Forward]    
Options outstanding, weighted average exercise price at beginning of year (in dollars per share) $ 9.22 $ 9.73
Granted, weighted average exercise price (in dollars per share) $ 1.36 $ 0
Exercised, weighted average exercise price (in dollars per share) $ 0 $ 0
Forfeited, weighted average exercise price (in dollars per share) $ 8.83 $ 11.19
Expired, weighted average exercise price (in dollars per share) $ 0 $ 0
Options outstanding, weighted average exercise price at the end of the year (in dollars per share) $ 7.95 $ 9.22
Options exercisable, weighted average exercise price at the end of the year (in dollars per share) $ 9.28 $ 9.88
Weighted average fair value of options granted during the year (in dollars per share) $ 0.98  
Options, Additional Disclosures [Abstract]    
Options outstanding, weighted average remaining term at the end of the year 4 years 10 months 24 days 5 years 4 months 24 days
Options exercisable, weighted average remaining term at the end of the year 4 years  
Options outstanding, average intrinsic value at the end of the year 0 [1]  
Options exercisable, average intrinsic value at the end of the year $ 0 [1]  
Detail for non-vested shares [Roll Forward]    
Non-vested options at beginning of year (in shares) 10,520  
Granted (in shares) 15,000  
Forfeited (in shares) (1,590)  
Vested (in shares) (8,930)  
Non-vested options at end of year (in shares) 15,000 10,520
Non-vested, Weighted Average Grant Date Fair Value [Roll Forward]    
Non-vested options, weighted average exercise price at beginning of year (in dollars per share) $ 4.50  
Granted, weighted average grant date fair value (in dollars per share) $ 1.36  
Forfeited, weighted average exercise price (in dollars per share) $ 4.50  
Vested, weighted average exercise price (in dollars per share) $ 4.50  
Non-vested options, weighted average exercise price at end of year (in dollars per share) $ 1.36 $ 4.50
2007 Long-Term Incentive Plan [Member] | Stock Options [Member]
    
Summary of the Status of the Plan [Roll Forward]    
Options exercisable at end of the year (in shares) 74,386  
Weighted Average Exercise Price [Roll Forward]    
Options exercisable, weighted average exercise price at the end of the year (in dollars per share) $ 9.28  
[1] The aggregate intrinsic value of a stock option in the table above represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had they exercised their options on December 31, 2013. The intrinsic value varies based on the changes in the market value in the Company’s stock. Because the exercise price exceeded the market value of the options, the average intrinsic value was $0 at December 31, 2013.
XML 29 R57.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS AND LEASES - Aging Analysis of Past Due Payments for Each Loan Portfolio Segment (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Aging analysis of past due payments for each loan portfolio segment [Abstract]    
30-59 Days Past Due $ 2,054,000 $ 2,635,000
60-89 Days Past Due 558,000 1,988,000
Accruing 90+Days 0 0
Total non-accrual LHFI, loan balance 10,157,000 23,004,000
Current 353,712,000 318,627,000
Subtotal LHFI 366,481,000 344,682,000
Less: Deferred loan fees 0 [1] (517,000) [1]
Total LHFI 366,481,000 344,165,000
Non-accrual loans held for investment [Abstract]    
Total non-accrual LHFI, loan balance 10,157,000 21,432,000
Total non-accrual LHFI, Specific reserves 886,000 2,026,000
Non-accrual loans held for sale [Abstract]    
Total non-accrual LHFS, Loan balance 0 1,572,000
Non accrual loans held for sale, Specific reserves 0 0
Total non-accrual loans, Loan balance 10,157,000 23,004,000
Total non-accrual LHFI, Specific reserves 886,000 2,026,000
Period decrease in nonaccrual loans 12,800,000  
Reduction in existing non accrual loan balances 13,200,000  
Transfer to other real estate owned 9,051,000 10,811,000
Charge-offs to the allowance for loan and lease losses 4,000,000  
Addition of non accrual loan balance 13,500,000  
Interest income lost on non-accrual loans 1,700,000 3,100,000
Cash collected on non accrual and impaired loan 16,100,000 23,400,000
Amount credited to principal balance outstanding 15,300,000 21,100,000
Summary of impaired loans [Abstract]    
Impaired LHFI with a valuation allowance 3,835,000 9,405,000
Impaired LHFI without a valuation allowance 14,671,000 19,423,000
Impaired LHFS 0 1,572,000
Total impaired loans and leases 18,506,000 30,400,000
Valuation allowance related to impaired LHFI 886,000 2,026,000
Average Recorded Investment and Related Interest Income [Abstract]    
Average investment in impaired loans and leases 24,714,000 39,412,000
Interest income recognized on impaired loans and leases 559,000 366,000
Interest income recognized on a cash basis on impaired loans and leases 27,000 66,000
Construction and Land Development [Member]
    
Aging analysis of past due payments for each loan portfolio segment [Abstract]    
30-59 Days Past Due 0 0
60-89 Days Past Due 0 0
Accruing 90+Days 0 0
Total non-accrual LHFI, loan balance 2,650,000 4,280,000
Current 42,611,000 32,935,000
Subtotal LHFI 45,261,000 37,215,000
Total LHFI 45,261,000  
Non-accrual loans held for investment [Abstract]    
Total non-accrual LHFI, loan balance 2,650,000 4,280,000
Total non-accrual LHFI, Specific reserves 0 820,000
Non-accrual loans held for sale [Abstract]    
Total non-accrual loans, Loan balance 2,650,000 4,280,000
Total non-accrual LHFI, Specific reserves 0 820,000
Percentage of outstanding non-accrual loans (in hundredths) 26.00%  
Summary of impaired loans [Abstract]    
Valuation allowance related to impaired LHFI 0 820,000
Commercial Real Estate [Member]
    
Aging analysis of past due payments for each loan portfolio segment [Abstract]    
30-59 Days Past Due 996,000 1,548,000
60-89 Days Past Due 0 1,486,000
Accruing 90+Days 0 0
Total non-accrual LHFI, loan balance 2,325,000 10,345,000
Current 144,972,000 153,736,000
Subtotal LHFI   167,115,000
Total LHFI 148,293,000  
Non-accrual loans held for investment [Abstract]    
Total non-accrual LHFI, loan balance 2,325,000 10,345,000
Total non-accrual LHFI, Specific reserves 331,000 835,000
Non-accrual loans held for sale [Abstract]    
Total non-accrual LHFS, Loan balance 0 1,572,000
Non accrual loans held for sale, Specific reserves 0 0
Total non-accrual loans, Loan balance 2,325,000 10,345,000
Total non-accrual LHFI, Specific reserves 331,000 835,000
Percentage of outstanding non-accrual loans (in hundredths) 23.00%  
Summary of impaired loans [Abstract]    
Valuation allowance related to impaired LHFI 331,000 835,000
Commercial and Industrial [Member]
    
Aging analysis of past due payments for each loan portfolio segment [Abstract]    
30-59 Days Past Due 115,000 200,000
60-89 Days Past Due 49,000 0
Accruing 90+Days 0 0
Total non-accrual LHFI, loan balance 3,629,000 4,961,000
Current 75,796,000 35,399,000
Subtotal LHFI   40,560,000
Total LHFI 79,589,000  
Non-accrual loans held for investment [Abstract]    
Total non-accrual LHFI, loan balance 3,629,000 4,961,000
Total non-accrual LHFI, Specific reserves 452,000 255,000
Non-accrual loans held for sale [Abstract]    
Total non-accrual loans, Loan balance 3,629,000 4,961,000
Total non-accrual LHFI, Specific reserves 452,000 255,000
Percentage of outstanding non-accrual loans (in hundredths) 36.00%  
Summary of impaired loans [Abstract]    
Valuation allowance related to impaired LHFI 452,000 255,000
Residential Real Estate [Member]
    
Aging analysis of past due payments for each loan portfolio segment [Abstract]    
30-59 Days Past Due 458,000 562,000
60-89 Days Past Due 262,000 486,000
Accruing 90+Days 0 0
Total non-accrual LHFI, loan balance 632,000 994,000
Current 24,183,000 22,939,000
Subtotal LHFI   24,981,000
Total LHFI 25,535,000  
Non-accrual loans held for investment [Abstract]    
Total non-accrual LHFI, loan balance 632,000 994,000
Total non-accrual LHFI, Specific reserves 19,000 14,000
Non-accrual loans held for sale [Abstract]    
Total non-accrual loans, Loan balance 632,000 994,000
Total non-accrual LHFI, Specific reserves 19,000 14,000
Summary of impaired loans [Abstract]    
Valuation allowance related to impaired LHFI 19,000 14,000
Multi Family [Member]
    
Aging analysis of past due payments for each loan portfolio segment [Abstract]    
30-59 Days Past Due 0 0
60-89 Days Past Due 0 0
Accruing 90+Days 0 0
Total non-accrual LHFI, loan balance 0 0
Current 11,737,000 11,756,000
Subtotal LHFI 11,737,000 11,756,000
Total LHFI 11,737,000  
Non-accrual loans held for sale [Abstract]    
Total non-accrual loans, Loan balance 0 0
Leases [Member]
    
Aging analysis of past due payments for each loan portfolio segment [Abstract]    
30-59 Days Past Due 485,000 325,000
60-89 Days Past Due 247,000 16,000
Accruing 90+Days 0 0
Total non-accrual LHFI, loan balance 467,000 251,000
Current 41,325,000 36,755,000
Subtotal LHFI 42,524,000 37,347,000
Total LHFI 42,524,000  
Non-accrual loans held for investment [Abstract]    
Total non-accrual LHFI, loan balance 467,000 251,000
Total non-accrual LHFI, Specific reserves 60,000 55,000
Non-accrual loans held for sale [Abstract]    
Total non-accrual loans, Loan balance 467,000 251,000
Total non-accrual LHFI, Specific reserves 60,000 55,000
Summary of impaired loans [Abstract]    
Valuation allowance related to impaired LHFI 60,000 55,000
Tax Certificates [Member]
    
Aging analysis of past due payments for each loan portfolio segment [Abstract]    
30-59 Days Past Due 0 0
60-89 Days Past Due 0 0
Accruing 90+Days 0 0
Total non-accrual LHFI, loan balance 454,000 601,000
Current 12,262,000 23,968,000
Subtotal LHFI 12,716,000 24,569,000
Total LHFI 12,716,000  
Non-accrual loans held for investment [Abstract]    
Total non-accrual LHFI, loan balance 454,000 601,000
Total non-accrual LHFI, Specific reserves 24,000 47,000
Non-accrual loans held for sale [Abstract]    
Total non-accrual loans, Loan balance 454,000 601,000
Total non-accrual LHFI, Specific reserves 24,000 47,000
Summary of impaired loans [Abstract]    
Valuation allowance related to impaired LHFI 24,000 47,000
Consumer [Member]
    
Aging analysis of past due payments for each loan portfolio segment [Abstract]    
30-59 Days Past Due 0 0
60-89 Days Past Due 0 0
Accruing 90+Days 0 0
Total non-accrual LHFI, loan balance 0 0
Current 826,000 1,139,000
Subtotal LHFI 826,000 1,139,000
Total LHFI 826,000  
Non-accrual loans held for sale [Abstract]    
Total non-accrual loans, Loan balance $ 0 $ 0
[1] For the 2013 period net deferred fees were allocated among the various loan types.
XML 30 R76.htm IDEA: XBRL DOCUMENT v2.4.0.8
COMPREHENSIVE LOSS (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Unrealized gains on investment securities: [Abstract]      
Unrealized holding losses arising during period, before tax $ (10,291) $ (1,573)  
Less adjustment for impaired investments, before tax   (2,359)  
Less reclassification adjustment for gains realized in net income, before tax 158 1,030  
Unrealized losses on investment securities, before tax (10,449) (244)  
Unrecognized benefit obligation expense [Abstract]      
Actuarial gain (loss), before tax 950 (1,655)  
Less reclassification adjustment for amortization, before tax (328) (471)  
Unrecognized benefit obligation expense, before tax 1,278 (1,184)  
Other comprehensive loss, net, before tax (9,171) (1,428)  
Unrealized gains on investment securities [Abstract]      
Unrealized holding losses arising during period, tax (3,572) (535)  
Less adjustment for impaired investments, tax   (802)  
Less reclassification adjustment for gains realized in net income, tax 54 350  
Unrealized losses on investment securities, tax (3,626) (83)  
Unrecognized benefit obligation expense [Abstract]      
Actuarial loss, tax 323 (563)  
Less reclassification adjustment for amortization, tax (112) (160)  
Unrecognized benefit obligation expense, tax 435 (403)  
Other comprehensive income, net, tax (3,191) (486)  
Unrealized gains on investment securities [Abstract]      
Unrealized holding losses arising during period, net of tax (6,719) (1,038)  
Less adjustment for impaired investments, net of tax 0 [1] (1,557) [1]  
Less reclassification adjustment for gains realized in net income (loss) 104 [2] 680 [2]  
Unrealized losses on investment securities (6,823) (161)  
Unrecognized benefit obligation expense [Abstract]      
Actuarial loss, net of tax 627 (1,092)  
Less reclassification adjustment for amortization, net of tax (216) [3] (311) [3]  
Unrecognized benefit obligation expense, net of tax 843 (781)  
Other comprehensive loss (5,980) (942)  
Accumulated Other Comprehensive Income [Abstract]      
Unrecognized benefit obligation (2,929) (3,556)  
Unrealized gains on AFS investments (3,193) 3,414  
Accumulated other comprehensive loss $ (6,122) $ (142) $ 800
[1] Amounts are included in total other-than-temporary impairment on investment securities on the Consolidated Statements of Operations in total noninterest income.
[2] Amounts are included in net gains on the sale of available for sale investment securities on the Consolidated Statements of Operations in total noninterest income.
[3] Amounts are included in salaries and benefits on the Consolidated Statements of Operations in noninterest expense.
XML 31 R81.htm IDEA: XBRL DOCUMENT v2.4.0.8
SEGMENT INFORMATION (Details) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended 12 Months Ended
Dec. 31, 2013
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2013
Dec. 31, 2012
Selected Segment Information and Reconciliations to Consolidated Financial Information [Abstract]                    
Total assets $ 732,254       $ 769,455       $ 732,254 $ 769,455
Total deposits 528,964       554,917       528,964 554,917
Interest income 7,069 6,960 6,743 6,752 6,991 7,761 8,423 8,806 27,524 31,981
Interest expense                 7,357 9,899
Net Interest Income 5,379 5,070 4,946 4,772 4,801 5,382 5,906 5,993 20,167 22,082
(Credit) provision for loan and lease losses (676) 218 (163) (251) 2,637 1,761 1,515 84 (872) 5,997
Total non-interest income 2,558 1,937 961 1,408 (148) 1,151 1,945 661 6,864 3,609
Total non-interest expenses                 26,330 36,324
Income tax (benefit) expense 42 0 0 0         42 0
Net Income (Loss) 2,238 499 (1,497) 291 (8,240) (4,637) (2,256) (1,497) 1,531 (16,630)
Noncontrolling interest (214) 157 (694) 173 (246) 175 (306) (628) (578) (1,005)
Net Income (Loss) Attributable to Royal Bancshares of Pennsylvania, Inc. 2,452 342 (803) 118 (7,994) (4,812) (1,950) (869) 2,109 (15,625)
Community Banking [Member]
                    
Selected Segment Information and Reconciliations to Consolidated Financial Information [Abstract]                    
Total assets 706,026       732,137       706,026 732,137
Total deposits 528,964       554,917       528,964 554,917
Interest income                 25,097 26,956
Interest expense                 5,899 7,202
Net Interest Income                 19,198 19,754
(Credit) provision for loan and lease losses                 (1,459) 5,177
Total non-interest income                 5,476 2,868
Total non-interest expenses                 21,959 31,118
Income tax (benefit) expense                 42 (28)
Net Income (Loss)                 4,132 (13,645)
Noncontrolling interest                 462 189
Net Income (Loss) Attributable to Royal Bancshares of Pennsylvania, Inc.                 3,670 (13,834)
Tax Lien Operation [Member]
                    
Selected Segment Information and Reconciliations to Consolidated Financial Information [Abstract]                    
Total assets 26,228       37,318       26,228 37,318
Total deposits 0       0       0 0
Interest income                 2,427 5,025
Interest expense                 1,458 2,697
Net Interest Income                 969 2,328
(Credit) provision for loan and lease losses                 587 820
Total non-interest income                 1,388 741
Total non-interest expenses                 4,371 5,206
Income tax (benefit) expense                 0 28
Net Income (Loss)                 (2,601) (2,985)
Noncontrolling interest                 (1,040) (1,194)
Net Income (Loss) Attributable to Royal Bancshares of Pennsylvania, Inc.                 (1,561) (1,791)
Tax Lien Operation Interest [Member]
                    
Selected Segment Information and Reconciliations to Consolidated Financial Information [Abstract]                    
Interest income                 $ 1,500 $ 2,700
XML 32 R77.htm IDEA: XBRL DOCUMENT v2.4.0.8
FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Financial assets measured at fair value on recurring basis [Abstract]    
Collateralized mortgage obligations issued or guaranteed by U.S. government agencies $ 189,103  
Collateralized mortgage obligations Non-agency 4,479  
Quoted Prices in Active Markets for Identical Assets Level 1 [Member]
    
Financial assets measured at fair value on recurring basis [Abstract]    
Total investment securities available-for-sale 49 47
Financial assets measured at fair value on nonrecurring basis [Abstract]    
Loans and leases held for sale 0 0
Significant Other Observable Inputs Level 2 [Member]
    
Financial assets measured at fair value on recurring basis [Abstract]    
Total investment securities available-for-sale 304,053 344,992
Financial assets measured at fair value on nonrecurring basis [Abstract]    
Loans and leases held for sale 0 0
Significant Unobservable Inputs Level 3 [Member]
    
Financial assets measured at fair value on recurring basis [Abstract]    
Total investment securities available-for-sale 4,625 4,164
Financial assets measured at fair value on nonrecurring basis [Abstract]    
Loans and leases held for sale 1,446 1,572
Recurring [Member]
    
Financial assets measured at fair value on recurring basis [Abstract]    
U.S. government agencies 62,036 66,444
Mortgage-backed securities - residential 32,097 30,509
Collateralized mortgage obligations issued or guaranteed by U.S. government agencies 189,103 233,976
Collateralized mortgage obligations Non-agency 4,479 1,011
Corporate bonds 9,438 7,437
Municipal bonds 6,900 5,615
Other securities 4,625 4,164
Common stocks 49 47
Total investment securities available-for-sale 308,727 349,203
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets Level 1 [Member]
    
Financial assets measured at fair value on recurring basis [Abstract]    
U.S. government agencies 0 0
Mortgage-backed securities - residential 0 0
Collateralized mortgage obligations issued or guaranteed by U.S. government agencies 0 0
Collateralized mortgage obligations Non-agency 0 0
Corporate bonds 0 0
Municipal bonds 0 0
Other securities 0 0
Common stocks 49 47
Total investment securities available-for-sale 49 47
Recurring [Member] | Significant Other Observable Inputs Level 2 [Member]
    
Financial assets measured at fair value on recurring basis [Abstract]    
U.S. government agencies 62,036 66,444
Mortgage-backed securities - residential 32,097 30,509
Collateralized mortgage obligations issued or guaranteed by U.S. government agencies 189,103 233,976
Collateralized mortgage obligations Non-agency 4,479 1,011
Corporate bonds 9,438 7,437
Municipal bonds 6,900 5,615
Other securities 0 0
Common stocks 0 0
Total investment securities available-for-sale 304,053 344,992
Recurring [Member] | Significant Unobservable Inputs Level 3 [Member]
    
Financial assets measured at fair value on recurring basis [Abstract]    
U.S. government agencies 0 0
Mortgage-backed securities - residential 0 0
Collateralized mortgage obligations issued or guaranteed by U.S. government agencies 0 0
Collateralized mortgage obligations Non-agency 0 0
Corporate bonds 0 0
Municipal bonds 0 0
Other securities 4,625 4,164
Common stocks 0 0
Total investment securities available-for-sale 4,625 4,164
Nonrecurring [Member]
    
Financial assets measured at fair value on nonrecurring basis [Abstract]    
Impaired loans 4,073 9,180
Other real estate owned 9,182 7,632
Loans and leases held for sale 1,446 1,572
Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets Level 1 [Member]
    
Financial assets measured at fair value on nonrecurring basis [Abstract]    
Impaired loans 0 0
Other real estate owned 0 0
Loans and leases held for sale 0 0
Nonrecurring [Member] | Significant Other Observable Inputs Level 2 [Member]
    
Financial assets measured at fair value on nonrecurring basis [Abstract]    
Impaired loans 0 0
Other real estate owned 0 0
Loans and leases held for sale 0 0
Nonrecurring [Member] | Significant Unobservable Inputs Level 3 [Member]
    
Financial assets measured at fair value on nonrecurring basis [Abstract]    
Impaired loans 4,073 9,180
Other real estate owned 9,182 7,632
Loans and leases held for sale $ 1,446 $ 1,572
XML 33 R71.htm IDEA: XBRL DOCUMENT v2.4.0.8
REGULATORY CAPITAL REQUIREMENTS (Details) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended 12 Months Ended 12 Months Ended
Dec. 31, 2013
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2013
Royal Bank [Member]
Dec. 31, 2012
Royal Bank [Member]
Dec. 31, 2011
Royal Bank [Member]
Dec. 31, 2013
Royal Bancshares [Member]
Dec. 31, 2012
Royal Bancshares [Member]
Dec. 31, 2013
Royal Bancshares [Member]
FR Y-9C [Member]
Dec. 31, 2012
Royal Bancshares [Member]
FR Y-9C [Member]
REGULATORY CAPITAL REQUIREMENTS [Abstract]                                  
Minimum Tier one leverage ratio required (in hundredths) 8.00%               8.00%       8.00%        
Total risk based capital ratio (in hundredths) 12.00%               12.00%                
Capital actual amount under regulations [Abstract]                                  
Total capital (to risk-weighted assets)                     $ 71,417 $ 67,338   $ 84,384 $ 84,073    
Tier I capital (to risk-weighted assets)                     65,602 61,664   71,432 71,138    
Tier I capital (to average assets, leverage)                     65,602 61,664   71,432 71,138    
Actual Ratio Under RAP [Abstract]                                  
Total capital (to risk-weighted assets) (in hundredths) 15.61%       15.22%       15.61% 15.22% 15.61% 15.22%   18.09% 18.46%    
Tier I capital (to risk-weighted assets) (in hundredths)                     14.34% 13.94%   15.31% 15.62%    
Tier I capital (to average assets, leverage) (in hundredths) 9.13%       8.00%       9.13% 8.00% 9.13% 8.00%   9.79% 9.05%    
For capital adequacy purposes, amount [Abstract]                                  
Total capital (to risk-weighted assets)                     36,590 35,386   37,315 36,429    
Tier I capital (to risk-weighted assets)                     18,295 17,693   18,658 18,214    
Tier I capital (to average assets, leverage)                     28,739 30,842   29,178 31,443    
For capital adequacy purposes, ratio [Abstract]                                  
Total capital (to risk-weighted assets) (in hundredths)                     8.00% 8.00%   8.00% 8.00%    
Tier I capital (to risk-weighted assets) (in hundredths)                     4.00% 4.00%   4.00% 4.00%    
Tier I capital (to average assets, leverage) (in hundredths)                     4.00% 4.00%   4.00% 4.00%    
To be well capitalized capitalized under prompt corrective action provision, amount [Abstract]                                  
Total capital (to risk-weighted assets)                     45,737 44,233          
Tier I capital (to risk-weighted assets)                     27,442 26,540          
Tier I capital (to average assets, leverage)                     35,924 38,552          
To be well capitalized capitalized under prompt corrective action provision, ratio [Abstract]                                  
Total capital (to risk-weighted assets) (in hundredths)                     10.00% 10.00%          
Tier I capital (to risk-weighted assets) (in hundredths)                     6.00% 6.00%          
Tier I capital (to average assets, leverage) (in hundredths)                     5.00% 5.00%          
Adjustments to net loss as well as the capital ratios [Abstract]                                  
RAP net loss                     (139) (17,974)   (735) (20,356)    
Tax lien adjustment, net of noncontrolling interest                     2,844 4,731   (2,844) (4,731)    
U.S. GAAP net income (loss) $ 2,452 $ 342 $ (803) $ 118 $ (7,994) $ (4,812) $ (1,950) $ (869) $ 2,109 $ (15,625) $ 2,705 $ (13,243)   $ 2,109 $ (15,625)    
Actual Ratio Under US GAAP [Abstract]                                  
Total capital (to risk-weighted assets) (in hundredths)                     16.49% 16.73%       18.09% 18.46%
Tier I capital (to risk-weighted assets) (in hundredths)                     15.22% 15.44%       15.31% 15.62%
Tier I capital (to average assets, leverage) (in hundredths)                     9.73% 8.93%       9.79% 9.05%
Ratios As Adjusted Under RAP [Abstract]                                  
Total capital (to risk-weighted assets) (in hundredths)                           17.24% 17.01%    
Tier I capital (to risk-weighted assets) (in hundredths)                           14.10% 13.55%    
Tier I capital (to average assets, leverage) (in hundredths)                           8.98% 7.79%    
XML 34 R25.htm IDEA: XBRL DOCUMENT v2.4.0.8
EARNINGS PER COMMON SHARE ("EPS")
 12 Months Ended
Dec. 31, 2013
EARNINGS PER COMMON SHARE ("EPS") [Abstract]  
EARNINGS PER COMMON SHARE ("EPS")
NOTE 18 - EARNINGS PER COMMON SHARE (“EPS”)

Basic and diluted EPS are calculated as follows:

 
 
For the year ended December 31, 2013
 
 
 
Income
  
Average shares
  
Per share
 
(In thousands, except for per share data)
 
(numerator)
  
(denominator)
  
Amount
 
Basic and Diluted EPS
 
  
  
 
Income available to common shareholders
 
$
34
   
13,279
  
$
0.00
 

At December 31, 2013, 197,836 options to purchase shares of common stock and restricted stock awards were anti-dilutive in the computation of diluted EPS, as exercise price exceeded average market price.  Additionally 30,407 warrants were also anti-dilutive.
 
 
 
For the year ended December 31, 2012
 
 
 
Loss
  
Average shares
  
Per share
 
(In thousands, except for per share data)
 
(numerator)
  
(denominator)
  
Amount
 
Basic and Diluted EPS
 
  
  
 
Loss available to common shareholders
 
$
(17,663
)
  
13,257
  
$
(1.33
)

At December 31, 2012, 362,093 options to purchase shares of common stock and restricted stock awards were anti-dilutive in the computation of diluted EPS, as exercise price exceeded average market price and as a result of the net loss for the year.  Additionally 30,407 warrants were also anti-dilutive.
XML 35 R50.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY (Tables)
 12 Months Ended
Dec. 31, 2013
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY [Abstract]  
CONDENSED BALANCE SHEETS
CONDENSED BALANCE SHEETS
 
 
 
As of December 31,
 
(In thousands)
 
2013
  
2012
 
Assets
 
  
 
Cash
 
$
1,333
  
$
4,739
 
Investment in non-bank subsidiaries
  
29,795
   
25,830
 
Investment in Royal Bank
  
42,165
   
44,725
 
Other assets
  
15
   
238
 
Total assets
 
$
73,308
  
$
75,532
 
Subordinated debentures
 
$
25,774
  
$
25,774
 
Stockholders' equity
  
47,534
   
49,758
 
Total liabilities and stockholders' equity
 
$
73,308
  
$
75,532
 
 
CONDENSED STATEMENTS OF OPERATIONS
CONDENSED STATEMENTS OF OPERATIONS

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
Income
 
  
 
Other income
 
$
25
  
$
20
 
Total Income
  
25
   
20
 
Expenses
        
Other expenses
  
499
   
697
 
Interest on subordinated debentures
  
809
   
683
 
Total Expenses
  
1,308
   
1,380
 
 
        
Loss before income taxes and equity in undistributed net loss
  
(1,283
)
  
(1,360
)
Income tax expense
  
-
   
-
 
Equity in undistributed net income (loss)
  
3,392
   
(14,265
)
Net income (loss)
 
$
2,109
  
$
(15,625
)
 
CONDENSED STATEMENT OF CASH FLOWS
CONDENSED STATEMENTS OF CASH FLOWS

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
Cash flows from operating activities
 
  
 
Net income (loss)
 
$
2,109
  
$
(15,625
)
Adjustments to reconcile net income (loss) to net cash used in operating activities:
        
Undistributed losses from subsidiaries
  
(3,392
)
  
14,265
 
Interest on subordinated debentures
  
(2,419
)
  
683
 
Net cash used in operating activities
  
(3,702
)
  
(677
)
 
        
Net cash provided by  investing activities
  
-
   
-
 
Cash flows from financing activities
        
Loan payoffs
  
-
   
130
 
Other, net
  
296
   
185
 
Net cash provided by financing activities
  
296
   
315
 
Net decrease in cash and cash equivalents
  
(3,406
)
  
(362
)
Cash and cash equivalents at beginning of period
  
4,739
   
5,101
 
Cash and cash equivalents at end of period
 
$
1,333
  
$
4,739
 
 
XML 36 R42.htm IDEA: XBRL DOCUMENT v2.4.0.8
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK AND CONCENTRATIONS OF CREDIT RISK (Tables)
 12 Months Ended
Dec. 31, 2013
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK AND CONCENTRATIONS OF CREDIT RISK [Abstract]  
Financial instruments whose contract amounts represent credit risk
The contract amounts are as follows:

 
 
As of December 31,
 
(In thousands)
 
2013
  
2012
 
Financial instruments whose contract amounts represent credit risk
 
  
 
Open-end lines of credit
 
$
21,182
  
$
20,515
 
Commitments to extend credit
  
200
   
24,030
 
Standby letters of credit and financial guarantees written
  
2,679
   
1,199
 
XML 37 R75.htm IDEA: XBRL DOCUMENT v2.4.0.8
EARNINGS PER COMMON SHARE ("EPS") (Details) (USD $)
In Thousands, except Share data, unless otherwise specified
 3 Months Ended 12 Months Ended
Dec. 31, 2013
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2013
Dec. 31, 2012
Basic and Diluted EPS [Abstract]                    
Income (loss) available to common shareholders (numerator) $ 1,930 $ (178) $ (1,321) $ (397) $ (8,507) $ (5,323) $ (2,458) $ (1,375) $ 34 $ (17,663)
Average shares (denominator) (in shares)                 13,279,000 13,257,000
Per share Amount (in dollars per share) $ 0.14 $ (0.01) $ (0.10) $ (0.03) $ (0.64) $ (0.40) $ (0.19) $ (0.10) $ 0 $ (1.33)
Stock Options [Member]
                    
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]                    
Antidilutive securities excluded from computation of diluted EPS (in shares)                 197,836 362,093
Warrant [Member]
                    
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]                    
Antidilutive securities excluded from computation of diluted EPS (in shares)                 30,407 30,407
XML 38 R37.htm IDEA: XBRL DOCUMENT v2.4.0.8
PREMISES AND EQUIPMENT (Tables)
 12 Months Ended
Dec. 31, 2013
PREMISES AND EQUIPMENT [Abstract]  
Premises and Equipment

 
  
 
As of December 31,
 
(In thousands)
Estimated Useful Lives
 
2013
  
2012
 
Land
 
 
$
2,200
  
$
2,396
 
Buildings and leasehold improvements
5 - 39 years
  
6,225
   
7,554
 
Furniture, fixtures and equipment
3 - 7 years
  
7,006
   
6,667
 
 
 
  
15,431
   
16,617
 
Less accumulated depreciation and amortization
 
  
(10,956
)
  
(11,385
)
Premises and equipment, net
 
 
$
4,475
  
$
5,232
 
XML 39 R52.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Loan
Dec. 31, 2012
Loan
Dec. 31, 2011
Noncontrolling Interest [Line Items]      
Payment to acquire additional ownership interest $ 1,550,000    
Amount credit to Additional Paid in Capital 1,550,000    
ASSETS      
Total cash and cash equivalents 16,844,000 28,802,000 24,506,000
Investment securities AFS, at fair value 308,727,000 349,203,000  
Other investment, at cost 2,250,000 2,250,000  
FHLB stock, at cost 4,204,000 6,011,000  
Loans and leases held for sale 1,446,000 1,572,000  
Loans and leases, net 352,810,000 326,904,000  
Bank owned life insurance 15,124,000 14,585,000  
Accrued interest receivable 7,054,000 10,256,000  
OREO, net 9,617,000 13,435,000  
Premises and equipment, net 4,475,000 5,232,000  
Other assets 9,703,000 11,205,000  
Total assets 732,254,000 769,455,000  
Liabilities      
Total deposits 528,964,000 554,917,000  
Long-term borrowings 97,881,000 108,333,000  
Subordinated debentures 25,774,000 25,774,000  
Accrued interest payable 965,000 3,760,000  
Other liabilities 20,865,000 23,103,000  
Total liabilities 684,449,000 715,887,000  
Shareholders' equity      
Preferred stock 29,950,000 29,396,000 28,878,000
Common stock   23,065,000  
Additional paid in capital 127,299,000 126,287,000 126,245,000
Accumulated deficit (120,396,000) (121,877,000) (105,600,000)
Accumulated other comprehensive loss (6,122,000) (142,000) 800,000
Treasury stock (6,336,000) (6,971,000) (6,971,000)
Noncontrolling interest 271,000 3,810,000 4,815,000
Total shareholders' equity 47,805,000 53,568,000 71,098,000
Total liabilities and shareholders' equity 732,254,000 769,455,000  
Other investments, notice period to redeem funds 60 days    
Federal Home Loan Bank Stock [Abstract]      
Federal Home Loan Bank stock 4,204,000 6,011,000  
Loans Held-for-sale [Abstract]      
Number of loans held for sale 3 1  
Non-accrual loans held for sale 1,400,000 1,600,000  
Gain on transfer of loans from LHFI to LHFS recorded in non-interest income 429,000    
Allowance For Loan and Lease Losses [Abstract]      
Rolling average period used to determine historical loss rates 3 years    
Advertising Cost [Abstract]      
Advertising costs 209,000 127,000  
Benefit Plans [Abstract]      
Highest consecutive years of employee compensation used to compute benefit 3 years    
Years of employment used in benefit computation 10 years    
Employer matching contribution to employee's contributions between 1% and 5% (in hundredths) 100.00%    
Employee contribution matched by employer, lower range (in hundredths) 1.00%    
Employer matching contribution to employees contribution that are within the specified limit (in hundredths) 5.00%    
Maximum annual contribution per employee 2,500    
Employer contribution to plan 0 0  
Stock Compensation [Abstract]      
Compensation expense 22,000 42,000  
Income Taxes [Abstract]      
Unrecognized tax benefits   0 0
Accrued interest and penalties on unrecognized tax benefits   0 0
Net income (loss) per common share [Abstract]      
Rate class B shares may be converted to class A shares 1.15 to 1    
Restrictions on Cash and Amounts Due From Banks [Abstract]      
Average balances on hand with the Federal Reserve Bank 100,000 100,000  
Restatement Adjustment [Member]
      
ASSETS      
Total cash and cash equivalents   0  
Investment securities AFS, at fair value   0  
Other investment, at cost   0  
FHLB stock, at cost   0  
Loans and leases held for sale   0  
Loans and leases, net   0  
Bank owned life insurance   0  
Accrued interest receivable   0  
OREO, net   0  
Premises and equipment, net   0  
Other assets   (4,261,000)  
Total assets   (4,261,000)  
Liabilities      
Total deposits   0  
Long-term borrowings   0  
Subordinated debentures   0  
Accrued interest payable   0  
Other liabilities   586,000  
Total liabilities   586,000  
Shareholders' equity      
Preferred stock   0 0
Common stock   0  
Additional paid in capital   0 0
Accumulated deficit   (4,797,000) (4,797,000)
Accumulated other comprehensive loss   0 0
Treasury stock   0 0
Noncontrolling interest   (50,000) (50,000)
Total shareholders' equity   (4,847,000) (4,847,000)
Total liabilities and shareholders' equity   (4,261,000)  
Federal Home Loan Bank Stock [Abstract]      
Federal Home Loan Bank stock   0  
Scenario, Previously Reported [Member]
      
ASSETS      
Total cash and cash equivalents   28,802,000  
Investment securities AFS, at fair value   349,203,000  
Other investment, at cost   2,250,000  
FHLB stock, at cost   6,011,000  
Loans and leases held for sale   1,572,000  
Loans and leases, net   326,904,000  
Bank owned life insurance   14,585,000  
Accrued interest receivable   10,256,000  
OREO, net   13,435,000  
Premises and equipment, net   5,232,000  
Other assets   15,466,000  
Total assets   773,716,000  
Liabilities      
Total deposits   554,917,000  
Long-term borrowings   108,333,000  
Subordinated debentures   25,774,000  
Accrued interest payable   3,760,000  
Other liabilities   22,517,000  
Total liabilities   715,301,000  
Shareholders' equity      
Preferred stock   29,396,000 28,878,000
Common stock   23,065,000  
Additional paid in capital   126,287,000 126,245,000
Accumulated deficit   (117,080,000) (100,803,000)
Accumulated other comprehensive loss   (142,000) 800,000
Treasury stock   (6,971,000) (6,971,000)
Noncontrolling interest   3,860,000 4,865,000
Total shareholders' equity   58,415,000 75,945,000
Total liabilities and shareholders' equity   773,716,000  
Federal Home Loan Bank Stock [Abstract]      
Federal Home Loan Bank stock   6,011,000  
Common Class B [Member]
      
Shareholders' equity      
Common stock 199,000 202,000 208,000
Total shareholders' equity 199,000 202,000 208,000
Common Class B [Member] | Restatement Adjustment [Member]
      
Shareholders' equity      
Common stock     0
Common Class B [Member] | Scenario, Previously Reported [Member]
      
Shareholders' equity      
Common stock     208,000
Common Class A [Member]
      
Shareholders' equity      
Common stock 22,940,000 22,863,000 22,723,000
Total shareholders' equity 22,940,000 22,863,000 22,723,000
Common Class A [Member] | Restatement Adjustment [Member]
      
Shareholders' equity      
Common stock     0
Common Class A [Member] | Scenario, Previously Reported [Member]
      
Shareholders' equity      
Common stock     22,723,000
Commercial Real Estate Loans [Member]
      
Concentration Risk [Line Items]      
Concentration risk, percentage (in hundredths) 40.00%    
Commercial [Member]
      
Concentration Risk [Line Items]      
Concentration risk, percentage (in hundredths) 22.00%    
Construction and Development Loans [Member]
      
Concentration Risk [Line Items]      
Concentration risk, percentage (in hundredths) 12.00%    
Securities Issued By Government Sponsored Entities [Member]
      
Concentration Risk [Line Items]      
Concentration risk, percentage (in hundredths) 92.00%    
Crusader Servicing Corporation [Member]
      
Noncontrolling Interest [Line Items]      
Percentage of ownership interest in subsidiary (in hundredths)   60.00%  
Payment settlement related to relinquished ownership interest 1,250,000    
Percentage of relinquished ownership interest (in hundredths) 20.00%    
Total percentage of ownership interest (in hundredths) 80.00%    
Royal Tax Lien Services, LLC [Member]
      
Noncontrolling Interest [Line Items]      
Percentage of ownership interest in subsidiary (in hundredths)   60.00%  
Percentage of additional ownership interest acquired (in hundredths) 40.00%    
Payment to acquire additional ownership interest 850,000    
Payment for tax distribution related additional ownership interest 400,000    
Amount credit to Additional Paid in Capital 850,000    
Total percentage of ownership interest (in hundredths) 100.00%    
Royal Bank America Leasing, LP [Member]
      
Noncontrolling Interest [Line Items]      
Percentage of ownership interest in subsidiary (in hundredths) 60.00%    
Additional Paid In Capital [Member]
      
Noncontrolling Interest [Line Items]      
Payment to acquire additional ownership interest 1,500,000    
Amount credit to Additional Paid in Capital 1,500,000    
Royal Bancshares Capital Trust I and II [Member]
      
Trust Preferred Securities [Abstract]      
Aggregate principal balance 774,000    
Crusader Servicing Corporation and Royal Tax Lien Services, LLC [Member]
      
Noncontrolling Interest [Line Items]      
Combined value of ownership interest $ 2,600,000    
XML 40 R67.htm IDEA: XBRL DOCUMENT v2.4.0.8
INCOME TAXES (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Income Tax Expense [Abstract]    
Current $ 42,000 $ 0
Deferred 0 0
Income tax expense 42,000 0
Statutory federal income tax rate reconciliation [Abstract]    
Statutory federal income tax rate (in hundredths) 34.00%  
Computed tax benefit at statutory rate 731,000 (5,313,000)
Tax-exempt income (22,000) 42,000
Department of Justice fine 0 680,000
Nondeductible expense 21,000 29,000
Bank owned life insurance (183,000) (188,000)
Adjustment to prior year items 1,933,000 0
Increase in valuation allowance (2,438,000) 4,834,000
Applicable income tax expense 42,000 0
Deferred tax assets [Abstract]    
Allowance for loan and lease losses 4,648,000 5,863,000
Net operating loss carryforward 18,908,000 21,988,000
Asset valuation reserves 34,000 79,000
Escrow settlement reserve 561,000 0
Security writedowns 2,193,000 1,429,000
OREO writedowns 1,490,000 4,475,000
Investment in partnerships 1,805,000 34,000
Accrued pension liability 4,926,000 5,745,000
Unrealized losses on debt securities 2,171,000 0
Accrued stock-based compensation 143,000 804,000
Non-accrual interest 134,000 277,000
Capital loss carryover 2,892,000 1,550,000
Charitable contribution carryovers 14,000 11,000
Other 77,000 139,000
Deferred tax assets before valuation allowance 39,996,000 42,394,000
Less valuation allowance (37,159,000) (39,597,000)
Less valuation allowance for equity securities 0 0
Total deferred tax assets 2,837,000 2,797,000
Deferred tax liabilities [Abstract]    
Penalties on delinquent tax certificates 39,000 224,000
Unrealized gains on AFS debt securities 0 1,665,000
Unrealized gains on AFS equity securities 429,000 145,000
Prepaid deductions 190,000 285,000
Other 8,000 64,000
Total deferred tax liabilities 666,000 2,383,000
Net deferred tax assets, included in other assets 2,171,000 414,000
Operating Loss Carryforwards [Line Items]    
Operating loss carryforwards 51,600,000  
Tax years subject to examination by various authorities 2006 through 2007 and 2009 through 2013  
Minimum [Member]
    
Operating Loss Carryforwards [Line Items]    
Operating loss carryforwards, expiration dates 2030  
Maximum [Member]
    
Operating Loss Carryforwards [Line Items]    
Operating loss carryforwards, expiration dates 2033  
Capital Loss Carryforward [Member]
    
Operating Loss Carryforwards [Line Items]    
Tax Credit Carryforward, Amount 8,500,000  
Capital Loss Carryforward [Member] | Minimum [Member]
    
Operating Loss Carryforwards [Line Items]    
Tax Credit Carryforward, Minimum Expiration Date Dec. 31, 2014  
Charitable Contribution Carryovers [Member]
    
Operating Loss Carryforwards [Line Items]    
Tax Credit Carryforward, Amount 42,000  
Charitable Contribution Carryovers [Member] | Minimum [Member]
    
Operating Loss Carryforwards [Line Items]    
Tax Credit Carryforward, Minimum Expiration Date Dec. 31, 2014  
General Business Tax Credit Carryovers [Member]
    
Operating Loss Carryforwards [Line Items]    
Tax Credit Carryforward, Amount 1,000  
General Business Tax Credit Carryovers [Member] | Minimum [Member]
    
Operating Loss Carryforwards [Line Items]    
Tax Credit Carryforward, Minimum Expiration Date Dec. 31, 2030  
Knoblauch State Bank - Available to be utilized [Member]
    
Operating Loss Carryforwards [Line Items]    
Operating loss carryforwards $ 4,000,000  
Operating loss carryforwards, expiration dates 2015  
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OTHER REAL ESTATE OWNED (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Property
Dec. 31, 2012
OTHER REAL ESTATE OWNED [Abstract]    
Other real estate owned decrease $ 3,800,000  
Foreclosed Property [Roll Forward]    
Beginning balance 13,435,000  
Net proceeds from sales (12,779,000) (12,014,000)
Net gain on sales 1,427,000 363,000
Assets acquired on non-accrual loans 9,051,000 10,811,000
Impairment charge (1,517,000) (6,741,000)
Ending balance 9,617,000 13,435,000
Other real estate owned (OREO) 9,617,000 13,435,000
Number of properties sold 4  
Proceeds from sale of collateral related to loans or other real estate owned 12,779,000 12,014,000
Gain (loss) on sale of OREO 1,427,000 363,000
Impairment charge for other real estate owned 1,517,000 6,741,000
Land [Member]
    
Foreclosed Property [Roll Forward]    
Net proceeds from sales (6,000,000)  
Net gain on sales (194,000)  
Impairment charge (628,000)  
Ending balance 769,000  
Other real estate owned (OREO) 769,000  
Number of properties sold 5  
Proceeds from sale of collateral related to loans or other real estate owned 6,000,000  
Gain (loss) on sale of OREO (194,000)  
Impairment charge for other real estate owned 628,000  
Number of properties impaired 3  
Commercial Real Estate [Member]
    
Foreclosed Property [Roll Forward]    
Net proceeds from sales (2,500,000)  
Net gain on sales 262,000  
Impairment charge (325,000)  
Ending balance 521,000  
Other real estate owned (OREO) 521,000  
Proceeds from sale of collateral related to loans or other real estate owned 2,500,000  
Gain (loss) on sale of OREO 262,000  
Impairment charge for other real estate owned 325,000  
Single family homes [Member]
    
Foreclosed Property [Roll Forward]    
Net proceeds from sales (330,000)  
Net gain on sales 160,000  
Impairment charge (146,000)  
Ending balance 435,000  
Other real estate owned (OREO) 435,000  
Number of properties sold 42  
Proceeds from sale of collateral related to loans or other real estate owned 330,000  
Gain (loss) on sale of OREO 160,000  
Impairment charge for other real estate owned 146,000  
Number of lending relationships 5  
Loan [Member]
    
Foreclosed Property [Roll Forward]    
Beginning balance 11,365,000  
Net proceeds from sales (8,869,000)  
Net gain on sales 228,000  
Assets acquired on non-accrual loans 100,000  
Impairment charge (1,099,000)  
Ending balance 1,725,000  
Other real estate owned (OREO) 1,725,000  
Proceeds from sale of collateral related to loans or other real estate owned 8,869,000  
Gain (loss) on sale of OREO 228,000  
Impairment charge for other real estate owned 1,099,000  
Tax Lien [Member]
    
Foreclosed Property [Roll Forward]    
Beginning balance 2,070,000  
Net proceeds from sales (3,910,000)  
Net gain on sales 1,199,000  
Assets acquired on non-accrual loans 8,951,000  
Impairment charge (418,000)  
Ending balance 7,892,000 2,070,000
Other real estate owned (OREO) 7,892,000 2,070,000
Number of properties sold 49  
Proceeds from sale of collateral related to loans or other real estate owned 3,910,000  
Gain (loss) on sale of OREO 1,199,000  
Impairment charge for other real estate owned 418,000  
Transfer to other real estate owned $ 9,000,000 $ 2,100,000
Number of properties transferred to OREO 84 30

XML 43 R47.htm IDEA: XBRL DOCUMENT v2.4.0.8
COMPREHENSIVE LOSS (Tables)
 12 Months Ended
Dec. 31, 2013
COMPREHENSIVE LOSS [Abstract]  
Components of Other Comprehensive Income (Loss) and Related Tax Effects
The components of other comprehensive (loss) income and the related tax effects for December 31, 2013 and 2012 are as follows:

 
 
For the year ended December 31, 2013
 
(In thousands)
 
Before tax
 amount
  
Tax
expense
(benefit)
  
Net of tax
amount
 
Unrealized losses on investment securities:
 
  
  
 
Unrealized holding losses arising during period
 
$
(10,291
)
 
$
(3,572
)
 
$
(6,719
)
Less reclassification adjustment for gains realized in net income
  
158
   
54
   
104
 
Unrealized losses on investment securities
  
(10,449
)
  
(3,626
)
  
(6,823
)
Unrecognized benefit obligation expense:
            
Actuarial gain
  
950
   
323
   
627
 
Less reclassification adjustment for amortization
  
(328
)
  
(112
)
  
(216
)
 
  
1,278
   
435
   
843
 
Other comprehensive loss, net
 
$
(9,171
)
 
$
(3,191
)
 
$
(5,980
)
 
 
 
For the year ended December 31, 2012
 
(In thousands)
 
Before tax
amount
  
Tax
expense
(benefit)
  
Net of tax
 amount
 
Unrealized losses on investment securities:
 
  
  
 
Unrealized holding losses arising during period
 
$
(1,573
)
 
$
(535
)
 
$
(1,038
)
Less adjustment for impaired investments
  
(2,359
)
  
(802
)
  
(1,557
)
Less reclassification adjustment for gains realized in net loss
  
1,030
   
350
   
680
 
Unrealized losses on investment securities
  
(244
)
  
(83
)
  
(161
)
Unrecognized benefit obligation expense:
            
Actuarial loss
  
(1,655
)
  
(563
)
  
(1,092
)
Less reclassification adjustment for amortization
  
(471
)
  
(160
)
  
(311
)
 
  
(1,184
)
  
(403
)
  
(781
)
Other comprehensive loss, net
 
$
(1,428
)
 
$
(486
)
 
$
(942
)
Other Components of Accumulated Comprehensive Income (Loss) in Shareholder's Equity
The other components of accumulated other comprehensive loss included in shareholders’ equity at December 31, 2013 and 2012 are as follows:

 
 
As of December 31,
 
(In thousands)
 
2013
  
2012
 
Unrecognized benefit obligation
 
$
(2,929
)
 
$
(3,556
)
Unrealized gains on AFS investments
  
(3,193
)
  
3,414
 
Accumulated other comprehensive loss
 
$
(6,122
)
 
$
(142
)
XML 44 R9.htm IDEA: XBRL DOCUMENT v2.4.0.8
REGULATORY MATTERS and SIGNIFICANT RISKS and UNCERTAINTIES
 12 Months Ended
Dec. 31, 2013
REGULATORY MATTERS and SIGNIFICANT RISKS and UNCERTAINTIES [Abstract]  
REGULATORY MATTERS and SIGNIFICANT RISKS and UNCERTAINTIES
NOTE 2 – REGULATORY MATTERS and SIGNIFICANT RISKS and UNCERTAINTIES

FDIC and Department of Banking Memorandum of Understanding

During the fourth quarter of 2011, Royal Bank entered into an informal agreement, known as a memorandum of understanding (“MOU”) with each of the FDIC and the Pennsylvania Department of Banking (the “Department”). Included in the MOU is the requirement of maintaining a ratio of Tier 1 capital to total assets (“leverage ratio”) equal to or greater than 8% and a total risk-based capital ratio equal to or greater than 12%. At December 31, 2013, based on capital levels calculated under RAP, Royal Bank’s leverage and total risk-based capital ratios were 9.13% and 15.61%, respectively.  Please refer to “Note 15 – Regulatory Capital Requirements” to the Consolidated Financial Statements.

Federal Reserve Memorandum of Understanding

As previously disclosed, in March 2010, the Company agreed to enter into a written agreement (the “Federal Reserve Agreement”) with the Federal Reserve Bank of Philadelphia (the “Federal Reserve Bank”).  In July 2013, the Board of Governors of the Federal Reserve System terminated the enforcement action under Federal Reserve Agreement, and it was replaced with an informal non-public agreement, an MOU, with the Federal Reserve Bank, effective July 17, 2013.  Included in the MOU are certain continued reporting requirements and a requirement that the Company receive the prior approval of the Federal Reserve Bank prior to declaring or paying any dividends on the Company’s common stock, making interest payments related to the Company’s outstanding trust preferred securities or subordinate securities, incurring or guaranteeing certain debt with an original maturity date greater than one year, and purchasing or redeeming any shares of stock.  The MOU will remain in effect until stayed, modified, terminated or suspended in writing by the Federal Reserve Bank.

Our success as a Company is dependent upon pursuing various alternatives in not only achieving the growth and expansion of our banking franchise but also in managing our day to day operations. The existence of the two MOUs may limit or impact our ability to pursue all previously available alternatives in the management of the Company. Our ability to retain existing retail and commercial customers as well as the ability to attract potentially new customers may be impacted by the existence of the MOUs. Additionally, the Company’s ability to raise capital in the current economic environment could be potentially limited or impacted as a result of the MOUs. Attracting new management talent is critical to the success of our business and could be potentially effected due to the existence of the MOUs.

2013 Net Income

For the five years prior to 2013, the Company had recorded significant losses totaling $118.2 million which were primarily related to charge-offs on the loan and lease portfolio, impairment charges on investment securities, impairment charges on OREO, credit related expenses and the establishment of a deferred tax valuation allowance.  In addition to reducing the total shareholders’ equity, the accumulated deficit impacts the Company’s ability to pay cash dividends to its shareholders now and in future years.  For 2013, the Company recorded net income of $2.1 million compared to a net loss of $15.6 million in 2012. Declines in credit related expenses, provision for loan and lease losses, OTTI on investment securities, salaries and benefits and professional and legal fees of $7.4 million, $6.9 million, $2.4 million, $1.3 million and $1.2 million, respectively, positively impacted 2013 results.  Included in net income for 2013 were $2.5 million in gains on the sale of company owned real estate and an increase of $1.1 million in net gains on the sale of OREO properties.  Partially offsetting these positive items was a $1.9 million decrease in net interest income, a $1.4 million decrease in gains on sales of loans and leases, and an $872,000 decline in gains on sale of investment securities. The Company’s deferred tax valuation allowance amounted to $37.2 million at the end of 2013.  The deferred tax valuation allowance is a result of management’s conclusion that it was more likely than not that the Company would not generate sufficient future taxable income to realize all of the deferred tax assets.
 
Credit Quality

The financial services and real estate industries were hit particularly hard during the “Great Recession” and as a result the Company’s loan and investment portfolios were directly affected.  The Company’s commercial real estate loans, including construction and land development loans, saw a decline in the collateral values and a reduction in the borrowers’ ability to meet the payment terms of their loans due to reduced cash flow.  Further declines in collateral values and borrowers’ liquidity with sustained unemployment at current levels may lead to additional increases in foreclosures, delinquencies and customer bankruptcies.  The Company is less able than a larger institution to spread the risks of unfavorable local economic conditions across a large number of more diverse economies.

The Company has been successful in reducing net classified loans, which includes LHFS, and OREO.  Net classified loans were $32.2 million and $51.8 million at December 31, 2013 and 2012, respectively. The Company had total non-performing loans and recorded charge-offs of $10.2 million and $3.9 million at December 31, 2013, compared to $23.0 million and $6.3 million at December 31, 2012, respectively.  OREO balances were $9.6 million and $13.4 million at December 31, 2013 and 2012, respectively.  The Company’s delinquent loans held for investment (30 to 89 days) amounted to $2.6 million and $4.6 million at December 31, 2013 and 2012, respectively.  No material advances were made on any classified or delinquent loan unless approved by the board of directors and determined to be in Royal Bank’s best interest.  The Company has restructured the investment portfolio to reduce credit risk by selling corporate debt securities and equity securities and replacing their maturities with U.S. government issued or sponsored securities. Other-than-temporary-impairment losses were $0 at December 31, 2013 compared to $2.4 million at December 31, 2012.

Liquidity and Funds Management

Royal Bank previously had limited capacity to borrow additional funds in the event it was needed for liquidity purposes.  However, Royal Bank has continued to maintain liquidity measures that are in excess of the target levels.  During the third quarter of 2013, the FHLB released Royal Bank from the over collateralized delivery requirement of 105% subject to reevaluation on a quarterly basis. Additionally during the fourth quarter of 2013 the FHLB released Royal Bank from loan-level listing status.  As of December 31, 2013, Royal Bank had approximately $190.0 million of available borrowing capacity at the FHLB as a result of the two collateral restrictions being removed.  Royal Bank also has availability to borrow from the Federal Reserve Discount Window, which was approximately $7.2 million at December 31, 2013, and was based on collateral pledged.  Borrowings were $107.9 million and $108.3 million at December 31, 2013 and 2012, respectively.

At December 31, 2013, the liquidity to deposits ratio was 72.2% compared to Royal Bank’s 12% policy target and the liquidity to total liabilities ratio was 55.8% compared to Royal Bank’s 10% policy target. The Company also has unfunded pension plan obligations of $14.5 million as of December 31, 2013 which potentially could impact liquidity.  The Company plans to fund the pension plan obligations through existing Company owned life insurance policies.

Dividend and Interest Restrictions

Due to the MOU, our ability to obtain lines of credit, to receive attractive collateral treatment from funding sources, and to pursue all attractive funding alternatives in this current low interest rate environment could be impacted and thereby limit liquidity alternatives. On August 13, 2009, the Company’s Board suspended the regular quarterly cash dividends on the $30.4 million in Series A Preferred Stock and the interest payments on the $25.8 million in trust preferred securities.  As of December 31, 2013, the Series A Preferred stock dividend in arrears was $7.7 million and has not been recognized in the consolidated financial statements.  The Company believes the decision to suspend the preferred cash dividends will better support the liquidity position of Royal Bank.  During the third quarter of 2013, the Company received approval from the Federal Reserve Bank to pay the $3.1 million interest payment in arrears on the trust preferred securities.  On September 16, 2013, the Company became current and is current on the interest payments on the trust preferred securities which included an interest penalty of $174,000.  The Company received approval and paid the fourth quarter interest payment in December 2013.

At December 31, 2013 and 2012, as a result of significant losses within Royal Bank, the Company had an accumulated deficit and therefore would not have been able to declare and pay any cash dividends.  Royal Bank must receive prior approval from the FDIC and the Department before declaring and paying a dividend to the Company.  Under the Federal Reserve MOU the Company may not declare or pay any dividends or make interest payments related to the Company’s outstanding trust preferred securities or subordinate securities, without the prior written approval of the Reserve Bank and the Director of the Division of Banking Supervision and Regulation of the Board of Governors of the Federal Reserve System.

Capital Adequacy

In connection with a prior bank regulatory examination, the FDIC concluded, based upon its interpretation of the Call Report instructions and under RAP, that income from Royal Bank’s tax lien business should be recognized on a cash basis, not an accrual basis.  Royal Bank’s current accrual method is in accordance with U.S. GAAP.  Royal Bank disagrees with the FDIC’s conclusion and filed the Call Report for December 31, 2013 and the previous 13 quarters in accordance with U.S. GAAP.  However, the change in the manner of revenue recognition for the tax lien business for regulatory accounting purposes affects Royal Bank’s and potentially the Company’s capital ratios as disclosed in “Note 15 - Regulatory Capital Requirements” to the Consolidated Financial Statements.  The resolution of this matter will be decided by additional joint regulatory agency guidance which includes the Federal Reserve Bank, the FDIC, and OCC.
 
Under the MOU, Royal Bank must maintain a minimum Tier 1 leverage ratio and a minimum total risk-based capital ratio of 8% and 12%, respectively. At December 31, 2013, based on capital levels calculated under RAP, Royal Bank’s leverage and total risk-based capital ratios were 9.13% and 15.61%, respectively.

Company Plans and Strategy

During the past few years, the Company recorded significant impairment charges and carrying costs on non-accrual loans and OREO which has weighed heavily on earnings and was the largest contributing factor to the Company’s losses.  The Company’s strategic plan included improving the overall level of credit quality, maintaining reduced credit risk within the investment portfolio, reducing the overall level of expenses, and returning to profitability. The Board and management remain committed to meeting the capital level requirements for Royal Bank as set forth in the FDIC MOU.  As a result, the Board and management developed a contingency plan to maintain capital ratios at required levels. This strategy also assisted in reducing the level of classified assets by giving management the ability to actively pursue exit strategies on loans and OREO which were at historically high levels.
 
While sustaining capital ratios above the required minimum, the Company has made progress in improving credit quality, reducing the CRE concentration, strengthening the Board and maintaining liquidity. As a result of the decline in level of classified assets, there has been a corresponding reduction in the provision for loan and lease losses and the overall carrying costs associated with classified assets.  The deleveraging of the balance sheet has also reduced earning assets which has resulted in a decline in net interest income and has had a significant impact on overall earnings. To improve net interest margin and net interest income, management is diligently working on changing the mix of earning assets and interest-bearing liabilities.  In the event further deleveraging is necessary to maintain the required capital levels, net interest income would be negatively impacted.

For 2013, the strategic plan evolved into transitioning Royal Bank into a community bank built on a solid commercial revenue and retail delivery foundation.  During the first quarter of 2013, to support the strategic goals, management had announced a set of sweeping initiatives through the Company's "Profitability Improvement Plan" ("PIP") designed to enhance company-wide efficiency, productivity and modernization.  During 2013, the Company realized a 22% reduction in the workforce, which included reorganizing and relocating certain personnel to improve departmental synergies and better align managers and staff so they can work together in cohesive teams to accomplish their objectives.  The Company recorded a restructuring charge of $87,000 related to the reduction in workforce.  The Company also finalized a unique opportunity to reduce employee expenses as eight individuals became employees of a local company that provides servicing of the remaining tax lien and non-performing assets portfolios. Those portfolios continue to diminish per the Company's strategic plan. This outsourcing arrangement enables the Company to focus on the expansion of its core banking products while de-emphasizing legacy non-core activity such as tax liens.

During 2013, pursuant to the real estate rationalization plan under PIP, two branches were consolidated and four Company-owned buildings were sold.  Royal Bank consolidated the leased Henderson Road office between the King of Prussia and Bridgeport offices and consolidated the 15th Street branch office into the Walnut Street branch office, which are both located in Center City Philadelphia.  These branch consolidations had minimal effect on deposit levels. Included in the real estate sales were two buildings that are the sites of the Fairmount and Phoenixville retail branches. In refreshing our retail branch network, these two branches along with a third will be relocated to more attractive, convenient, high-traffic locations within the same markets over the next three to eight months.  Additionally the Villanova branch was relocated in January 2014.

During 2013, the Company launched a completely redesigned website which takes advantage of the latest technologies and trends in web development, including responsive design which reformats content to fit any screen, improving both aesthetics and user experience.  Visitors will also find a renewed emphasis on our most important products and services, including quick links to key revenue driving product lines and our secure home equity application. Complementing the launch of the new website was the debut of our mobile banking solution, TouchBanking.   With the addition to executive management of Lars Eller, as Chief Retail Banking Officer, the Company looks to grow its retail customer base with the deployment of new commercial and consumer solutions, enhancement of product offerings and further development of the retail sales teams.  To support the marketing of these enhancements the Company began refreshing its brand with new advertising through billboards and online and print media.  The expense reductions, revenue growth and planned additional improvements have repositioned the Company in 2013 and for the future.
 
XML 45 R62.htm IDEA: XBRL DOCUMENT v2.4.0.8
PREMISES AND EQUIPMENT (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Property
Dec. 31, 2012
Premises and Equipment [Line Items]    
Premises and equipment $ 15,431,000 $ 16,617,000
Less accumulated depreciation and amortization (10,956,000) (11,385,000)
Premises and equipment, net 4,475,000 5,232,000
Depreciation and amortization expense 451,000 417,000
Number of properties sold 4  
Carrying value of property sold 674,000  
Gain (loss) on sale of property 2,500,000  
Land [Member]
    
Premises and Equipment [Line Items]    
Premises and equipment 2,200,000 2,396,000
Building and Leasehold Improvements [Member]
    
Premises and Equipment [Line Items]    
Premises and equipment 6,225,000 7,554,000
Building and Leasehold Improvements [Member] | Minimum [Member]
    
Premises and Equipment [Line Items]    
Estimated Useful Lives 5 years  
Building and Leasehold Improvements [Member] | Maximum [Member]
    
Premises and Equipment [Line Items]    
Estimated Useful Lives 39 years  
Furniture, Fixtures and Equipment [Member]
    
Premises and Equipment [Line Items]    
Premises and equipment $ 7,006,000 $ 6,667,000
Furniture, Fixtures and Equipment [Member] | Minimum [Member]
    
Premises and Equipment [Line Items]    
Estimated Useful Lives 3 years  
Furniture, Fixtures and Equipment [Member] | Maximum [Member]
    
Premises and Equipment [Line Items]    
Estimated Useful Lives 7 years  
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REGULATORY CAPITAL REQUIREMENTS (Tables)
 12 Months Ended
Dec. 31, 2013
REGULATORY CAPITAL REQUIREMENTS [Abstract]  
Royal Bank's capital ratios
The table below sets forth Royal Bank’s capital ratios under RAP based on the FDIC’s interpretation of the Call Report instructions:
 
 
 
  
  
  
  
To be well capitalized
 
 
 
  
  
For capital
  
capitalized under prompt
 
 
 
Actual
  
adequacy purposes
  
corrective action provision
 
(Dollars in thousands)
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
Total capital (to risk-weighted assets)
 
  
  
  
  
  
 
At December 31, 2013
 
$
71,417
   
15.61
%
 
$
36,590
   
8.00
%
 
$
45,737
   
10.00
%
At December 31, 2012
 
$
67,338
   
15.22
%
 
$
35,386
   
8.00
%
 
$
44,233
   
10.00
%
Tier I capital (to risk-weighted assets)
                        
At December 31, 2013
 
$
65,602
   
14.34
%
 
$
18,295
   
4.00
%
 
$
27,442
   
6.00
%
At December 31, 2012
 
$
61,664
   
13.94
%
 
$
17,693
   
4.00
%
 
$
26,540
   
6.00
%
Tier I capital (to average assets, leverage)
                        
At December 31, 2013
 
$
65,602
   
9.13
%
 
$
28,739
   
4.00
%
 
$
35,924
   
5.00
%
At December 31, 2012
 
$
61,664
   
8.00
%
 
$
30,842
   
4.00
%
 
$
38,552
   
5.00
%
Adjustments to net loss as well as the capital ratios
The tables below reflect the adjustments to the net loss as well as the capital ratios for Royal Bank under U.S. GAAP:
 
 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
RAP net loss
 
$
(139
)
 
$
(17,974
)
Tax lien adjustment, net of noncontrolling interest
  
2,844
   
4,731
 
U.S. GAAP net income (loss)
 
$
2,705
  
$
(13,243
)

 
 
At December 31, 2013
  
At December 31, 2012
 
 
 
As reported
  
As adjusted
  
As reported
  
As adjusted
 
 
 
under RAP
  
for U.S. GAAP
  
under RAP
  
for U.S. GAAP
 
Total capital (to risk-weighted assets)
  
15.61
%
  
16.49
%
  
15.22
%
  
16.73
%
Tier I capital (to risk-weighted assets)
  
14.34
%
  
15.22
%
  
13.94
%
  
15.44
%
Tier I capital (to average assets, leverage)
  
9.13
%
  
9.73
%
  
8.00
%
  
8.93
%
 
Company capital ratios
The tables below reflect the Company’s capital ratios:

 
 
  
  
  
  
To be well capitalized
 
 
 
  
  
For capital
  
capitalized under prompt
 
 
 
Actual
  
adequacy purposes
  
corrective action provision
 
(Dollars in thousands)
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
Total capital (to risk-weighted assets)
 
  
  
  
  
  
 
At December 31, 2013
 
$
84,384
   
18.09
%
 
$
37,315
   
8.00
%
  
N/A
  
N/A
 
At December 31, 2012
 
$
84,073
   
18.46
%
 
$
36,429
   
8.00
%
  
N/A
 
  
N/A
 
Tier I capital (to risk-weighted assets)
                        
At December 31, 2013
 
$
71,432
   
15.31
%
 
$
18,658
   
4.00
%
  
N/A
 
  
N/A
 
At December 31, 2012
 
$
71,138
   
15.62
%
 
$
18,214
   
4.00
%
  
N/A
 
  
N/A
 
Tier I Capital (to average assets, leverage)
                        
At December 31, 2013
 
$
71,432
   
9.79
%
 
$
29,178
   
4.00
%
  
N/A
 
  
N/A
 
At December 31, 2012
 
$
71,138
   
9.05
%
 
$
31,443
   
4.00
%
  
N/A
 
  
N/A
 
Adjustment to Company's capital ratio under RAP
The Company has filed the Consolidated Financial Statements for Bank Holding Companies-FR Y-9C (“FR Y-9C”) as of December 31, 2013 consistent with U.S. GAAP and the FR Y-9C instructions.  In the event a similar adjustment for RAP purposes would be required by the Federal Reserve on the holding company level, the adjusted ratios are shown in the tables below.

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
U.S. GAAP net income (loss)
 
$
2,109
  
$
(15,625
)
Tax lien adjustment, net of noncontrolling interest
  
(2,844
)
  
(4,731
)
RAP net loss
 
$
(735
)
 
$
(20,356
)

 
 
At December 31, 2013
  
At December 31, 2012
 
 
 
As reported
  
As adjusted
  
As reported
  
As adjusted
 
 
 
under U.S. GAAP
  
for RAP
  
under U.S. GAAP
  
for RAP
 
Total capital (to risk-weighted assets)
  
18.09
%
  
17.24
%
  
18.46
%
  
17.01
%
Tier I capital (to risk-weighted assets)
  
15.31
%
  
14.10
%
  
15.62
%
  
13.55
%
Tier I capital (to average assets, leverage)
  
9.79
%
  
8.98
%
  
9.05
%
  
7.79
%
 
XML 48 R29.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY
 12 Months Ended
Dec. 31, 2013
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY [Abstract]  
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY
NOTE 22 - CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY

Condensed financial information for the parent company only follows.

CONDENSED BALANCE SHEETS
 
 
 
As of December 31,
 
(In thousands)
 
2013
  
2012
 
Assets
 
  
 
Cash
 
$
1,333
  
$
4,739
 
Investment in non-bank subsidiaries
  
29,795
   
25,830
 
Investment in Royal Bank
  
42,165
   
44,725
 
Other assets
  
15
   
238
 
Total assets
 
$
73,308
  
$
75,532
 
Subordinated debentures
 
$
25,774
  
$
25,774
 
Stockholders' equity
  
47,534
   
49,758
 
Total liabilities and stockholders' equity
 
$
73,308
  
$
75,532
 
 
CONDENSED STATEMENTS OF OPERATIONS

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
Income
 
  
 
Other income
 
$
25
  
$
20
 
Total Income
  
25
   
20
 
Expenses
        
Other expenses
  
499
   
697
 
Interest on subordinated debentures
  
809
   
683
 
Total Expenses
  
1,308
   
1,380
 
 
        
Loss before income taxes and equity in undistributed net loss
  
(1,283
)
  
(1,360
)
Income tax expense
  
-
   
-
 
Equity in undistributed net income (loss)
  
3,392
   
(14,265
)
Net income (loss)
 
$
2,109
  
$
(15,625
)
 
CONDENSED STATEMENTS OF CASH FLOWS

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
Cash flows from operating activities
 
  
 
Net income (loss)
 
$
2,109
  
$
(15,625
)
Adjustments to reconcile net income (loss) to net cash used in operating activities:
        
Undistributed losses from subsidiaries
  
(3,392
)
  
14,265
 
Interest on subordinated debentures
  
(2,419
)
  
683
 
Net cash used in operating activities
  
(3,702
)
  
(677
)
 
        
Net cash provided by  investing activities
  
-
   
-
 
Cash flows from financing activities
        
Loan payoffs
  
-
   
130
 
Other, net
  
296
   
185
 
Net cash provided by financing activities
  
296
   
315
 
Net decrease in cash and cash equivalents
  
(3,406
)
  
(362
)
Cash and cash equivalents at beginning of period
  
4,739
   
5,101
 
Cash and cash equivalents at end of period
 
$
1,333
  
$
4,739
 
 
XML 49 R28.htm IDEA: XBRL DOCUMENT v2.4.0.8
SEGMENT INFORMATION
 12 Months Ended
Dec. 31, 2013
SEGMENT INFORMATION [Abstract]  
SEGMENT INFORMATION
NOTE 21 – SEGMENT INFORMATION

FASB ASC Topic 280, “Segment Reporting” (“ASC Topic 280”) established standards for public business enterprises to report information about operating segments in their annual financial statements and requires that those enterprises report selected information about operating segments in subsequent interim financial reports issued to shareholders.  It also established standards for related disclosure about products and services, geographic areas, and major customers.  Operating segments are components of an enterprise, which are evaluated regularly by the chief operating decision makers in deciding how to allocate and assess resources and performance.  The Company’s chief operating decision makers are the Chief Executive Officer (“CEO”) and the Chief Administrative and Risk Officer (“CARO”). The Company has identified its reportable operating segments as “Community Banking” and “Tax Liens”.

Community banking

The Company’s Community Banking segment which includes Royal Bank consists of commercial and retail banking and leasing. The Community Banking business segment is managed as a single strategic unit which generates revenue from a variety of products and services provided by Royal Bank.  For example, commercial lending is dependent upon the ability of Royal Bank to fund cash needed to make loans with retail deposits and other borrowings and to manage interest rate and credit risk.

Tax lien operation

The Company’s Tax Lien Operation consists of purchasing delinquent tax certificates from local municipalities at auction and then processing those liens to either encourage the property holder to pay off the lien, or to foreclose and sell the property.   The tax lien operation earns income based on interest rates (determined at auction) and penalties assigned by the municipality, along with gains the on sale of foreclosed properties.

Selected segment information and reconciliations to consolidated financial information are as follows:

(In thousands)
 
Community
  
Tax Lien
  
 
December 31, 2013
 
Banking
  
Operation
  
Consolidated
 
 
 
  
  
 
Total assets
 
$
707,022
  
$
26,228
  
$
733,250
 
Total deposits
  
528,964
   
-
   
528,964
 
 
            
Interest income
 
$
25,097
  
$
2,427
  
$
27,524
 
Interest expense
  
5,899
   
1,458
   
7,357
 
Net interest income
  
19,198
   
969
   
20,167
 
(Credit) provision for loan and lease losses
  
(1,459
)
  
587
   
(872
)
Total non-interest income
  
5,476
   
1,388
   
6,864
 
Total non-interest expenses
  
21,959
   
4,371
   
26,330
 
Income tax (benefit) expense
  
42
   
-
   
42
 
Net income (loss)
 
$
4,132
  
$
(2,601
)
 
$
1,531
 
Noncontrolling interest
  
462
   
(1,040
)
  
(578
)
Net income (loss) attributable to Royal Bancshares
 
$
3,670
  
$
(1,561
)
 
$
2,109
 
 
(In thousands)
 
Community
  
Tax Lien
  
 
December 31, 2012
 
Banking
  
Operation
  
Consolidated
 
 
 
  
  
 
Total assets
 
$
732,137
  
$
37,318
  
$
769,455
 
Total deposits
  
554,917
   
-
   
554,917
 
 
            
Interest income
 
$
26,956
  
$
5,025
  
$
31,981
 
Interest expense
  
7,202
   
2,697
   
9,899
 
Net interest income
  
19,754
   
2,328
   
22,082
 
Provision for loan and lease losses
  
5,177
   
820
   
5,997
 
Total non-interest income
  
2,868
   
741
   
3,609
 
Total non-interest expenses
  
31,118
   
5,206
   
36,324
 
Income tax (benefit) expense
  
(28
)
  
28
   
-
 
Net loss
 
$
(13,645
)
 
$
(2,985
)
 
$
(16,630
)
Noncontrolling interest
  
189
   
(1,194
)
  
(1,005
)
Net loss attributable to Royal Bancshares
 
$
(13,834
)
 
$
(1,791
)
 
$
(15,625
)

Interest income earned by the Community Banking segment related to the Tax Lien Operation was approximately $1.5 million and $2.7 million for the years ended December 31, 2013 and 2012, respectively.
XML 50 R56.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS AND LEASES - Risk Ratings for Each Loan Portfolio Segment (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI $ 366,481 $ 344,682
Less: Deferred loan fees 0 [1] (517) [1]
Total LHFI 366,481 344,165
Construction and Land Development [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI 45,261 37,215
Total LHFI 45,261  
Commercial Real Estate [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   167,115
Total LHFI 148,293  
Commercial and Industrial [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   40,560
Total LHFI 79,589  
Residential Real Estate [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   24,981
Total LHFI 25,535  
Multi Family [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI 11,737 11,756
Total LHFI 11,737  
Leases [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI 42,524 37,347
Total LHFI 42,524  
Tax Certificates [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI 12,716 24,569
Total LHFI 12,716  
Consumer Portfolio Segment [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   1,139
Total LHFI 826  
Pass [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   167,004
Total LHFI 254,712  
Pass [Member] | Construction and Land Development [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   2,139
Total LHFI 14,677  
Pass [Member] | Commercial Real Estate [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   64,308
Total LHFI 99,525  
Pass [Member] | Commercial and Industrial [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   14,764
Total LHFI 50,478  
Pass [Member] | Residential Real Estate [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   15,125
Total LHFI 24,903  
Pass [Member] | Multi Family [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   9,019
Total LHFI 10,792  
Pass [Member] | Leases [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   36,755
Total LHFI 41,325  
Pass [Member] | Tax Certificates [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   23,968
Total LHFI 12,262  
Pass [Member] | Consumer Portfolio Segment [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   926
Total LHFI 750  
Pass-Watch [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   103,362
Total LHFI 60,016  
Pass-Watch [Member] | Construction and Land Development [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   13,872
Total LHFI 16,270  
Pass-Watch [Member] | Commercial Real Estate [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   69,510
Total LHFI 32,267  
Pass-Watch [Member] | Commercial and Industrial [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   10,774
Total LHFI 10,508  
Pass-Watch [Member] | Residential Real Estate [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   6,634
Total LHFI 0  
Pass-Watch [Member] | Multi Family [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   2,034
Total LHFI 410  
Pass-Watch [Member] | Leases [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   325
Total LHFI 485  
Pass-Watch [Member] | Tax Certificates [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   0
Total LHFI 0  
Pass-Watch [Member] | Consumer Portfolio Segment [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   213
Total LHFI 76  
Special Mention [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   37,285
Total LHFI 29,184  
Special Mention [Member] | Construction and Land Development [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   16,343
Total LHFI 11,095  
Special Mention [Member] | Commercial Real Estate [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   19,529
Total LHFI 11,572  
Special Mention [Member] | Commercial and Industrial [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   92
Total LHFI 5,735  
Special Mention [Member] | Residential Real Estate [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   602
Total LHFI 0  
Special Mention [Member] | Multi Family [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   703
Total LHFI 535  
Special Mention [Member] | Leases [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   16
Total LHFI 247  
Special Mention [Member] | Tax Certificates [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   0
Total LHFI 0  
Special Mention [Member] | Consumer Portfolio Segment [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   0
Total LHFI 0  
Substandard [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   15,599
Total LHFI 12,412  
Substandard [Member] | Construction and Land Development [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   581
Total LHFI 569  
Substandard [Member] | Commercial Real Estate [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   3,423
Total LHFI 2,604  
Substandard [Member] | Commercial and Industrial [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   9,969
Total LHFI 9,239  
Substandard [Member] | Residential Real Estate [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   1,626
Total LHFI 0  
Substandard [Member] | Multi Family [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   0
Total LHFI 0  
Substandard [Member] | Leases [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   0
Total LHFI 0  
Substandard [Member] | Tax Certificates [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   0
Total LHFI 0  
Substandard [Member] | Consumer Portfolio Segment [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   0
Total LHFI 0  
Non-accrual [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   21,432
Total LHFI 10,157  
Non-accrual [Member] | Construction and Land Development [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   4,280
Total LHFI 2,650  
Non-accrual [Member] | Commercial Real Estate [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   10,345
Total LHFI 2,325  
Non-accrual [Member] | Commercial and Industrial [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   4,961
Total LHFI 3,629  
Non-accrual [Member] | Residential Real Estate [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   994
Total LHFI 632  
Non-accrual [Member] | Multi Family [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   0
Total LHFI 0  
Non-accrual [Member] | Leases [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   251
Total LHFI 467  
Non-accrual [Member] | Tax Certificates [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   601
Total LHFI 454  
Non-accrual [Member] | Consumer Portfolio Segment [Member]
    
Risk Ratings for Each Loan Portfolio Segment [Abstract]    
Subtotal LHFI   0
Total LHFI $ 0  
[1] For the 2013 period net deferred fees were allocated among the various loan types.
XML 51 R44.htm IDEA: XBRL DOCUMENT v2.4.0.8
PENSION PLANS (Tables)
 12 Months Ended
Dec. 31, 2013
PENSION PLANS [Abstract]  
Plan's Funded Status and Amounts Recognized in the consolidated Balance Sheets
The following table sets forth the plan’s funded status and amounts recognized in the Company’s consolidated balance sheets:

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
Change in benefit obligation
 
  
 
Benefit obligation at beginning of year
 
$
16,897
  
$
14,942
 
Service cost
  
81
   
272
 
Interest cost
  
623
   
584
 
Benefits paid
  
(981
)
  
(556
)
Actuarial (gain) loss
  
(2,132
)
  
1,655
 
Benefits obligation at end of year
 
$
14,488
  
$
16,897
 
Unrecognized prior service cost
  
179
   
269
 
Unrecognized actuarial loss
  
2,750
   
5,119
 
 
 
$
2,929
  
$
5,388
 
Assumptions Used to Determine the Benefit Obligations and the Net Periodic Pension Cost
The table below reflects the assumptions used to determine the benefit obligations:
 
 
 
As of December 31,
 
 
 
2013
  
2012
 
Discount rate
  
4.37
%
  
3.25
%
Rate of compensation increase
  
4.00
%
  
4.00
%
 
The table below reflects the assumptions used to determine the net periodic pension cost:

 
 
For the years ended December 31,
 
 
 
2013
  
2012
 
Discount rate
  
4.37
%
  
4.00
%
Rate of compensation increase
  
4.00
%
  
4.00
%
Components of Net Pension Cost
Net pension cost included the following components:

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
Service cost
 
$
81
  
$
272
 
Interest cost
  
623
   
584
 
Amortization prior service cost
  
90
   
90
 
Amortization net actuarial loss
  
238
   
381
 
Net periodic benefit cost
 
$
1,032
  
$
1,327
 
Benefit Payments to be Made From the Non-qualified Pension Plan
Benefit payments to be made from the Non-qualified Pension Plan are as follows:

 
 
As of December 31, 2013
 
 
 
Non-Qualified
 
(In thousands)
 
Pension Plans
 
2014
 
$
970
 
2015
  
987
 
2016
  
1,015
 
2017
  
1,015
 
2018
  
1,015
 
Next  five years thereafter
  
5,610
 
XML 52 R30.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF QUARTERLY RESULTS (UNAUDITED)
 12 Months Ended
Dec. 31, 2013
SUMMARY OF QUARTERLY RESULTS (UNAUDITED) [Abstract]  
SUMMARY OF QUARTERLY RESULTS (UNAUDITED)
NOTE 23 - SUMMARY OF QUARTERLY RESULTS (UNAUDITED)

The following summarizes the consolidated results of operations during 2013 and 2012, on a quarterly basis, for the Company:

 
 
For the year ended December 31, 2013
 
(In thousands, except per share data)
 
Fourth
Quarter
  
Third
Quarter
  
Second
Quarter
  
First
Quarter
 
Interest income
 
$
7,069
  
$
6,960
  
$
6,743
  
$
6,752
 
Net interest income
  
5,379
   
5,070
   
4,946
   
4,772
 
(Credit) provision for loan and lease losses
  
(676
)
  
218
   
(163
)
  
(251
)
Net interest income after provision
  
6,055
   
4,852
   
5,109
   
5,023
 
Other income
  
2,558
   
1,937
   
961
   
1,408
 
Other expenses
  
6,333
   
6,290
   
7,567
   
6,140
 
Income (loss) before income tax
  
2,280
   
499
   
(1,497
)
  
291
 
Income tax expense
  
42
   
-
   
-
   
-
 
Net income (loss) from continuing operations
 
$
2,238
  
$
499
  
$
(1,497
)
 
$
291
 
Less net (loss) income attributable to noncontrolling interest
  
(214
)
  
157
   
(694
)
  
173
 
Net income (loss) attributable to Royal Bancshares of Pennsylavania, Inc.
 
$
2,452
  
$
342
  
$
(803
)
 
$
118
 
Net income (loss) available to common shareholders
 
$
1,930
  
$
(178
)
 
$
(1,321
)
 
$
(397
)
Net income (loss) per common share
                
Basic and diluted
 
$
0.14
  
$
(0.01
)
 
$
(0.10
)
 
$
(0.03
)

Operating results for the fourth quarter of 2013 amounted to net income of $2.4 million compared to a net loss of $8.0 million for the fourth quarter of 2012. The year over year improvement in the quarterly results was primarily related to a $3.6 million drop in credit related expenses, a $3.3 million decrease in the provision for loan and lease losses, a $1.5 million decline in OTTI charges, $1.3 million in gains on the sale of two Company owned buildings and an increase in net interest income of $578,000. The progress achieved in credit quality and declining level of non-performing assets directly impacted OREO and loan collection expenses and the provision.  The growth in net interest income was primarily attributed to a reduction in interest expense coupled with an increase in the yield on investments.
 
 
 
For the year ended December 31, 2012
 
(In thousands, except per share data)
 
Fourth Quarter
  
Third Quarter
  
Second Quarter
  
First Quarter
 
Interest income
 
$
6,991
  
$
7,761
  
$
8,423
  
$
8,806
 
Net interest income
  
4,801
   
5,382
   
5,906
   
5,993
 
Provision for loan and lease losses
  
2,637
   
1,761
   
1,515
   
84
 
Net interest income after provision
  
2,164
   
3,621
   
4,391
   
5,909
 
Other  income
  
(148
)
  
1,151
   
1,945
   
661
 
Other expenses
  
10,256
   
9,409
   
8,592
   
8,067
 
Loss before income tax
  
(8,240
)
  
(4,637
)
  
(2,256
)
  
(1,497
)
Net loss
 
$
(8,240
)
 
$
(4,637
)
 
$
(2,256
)
 
$
(1,497
)
Less net (loss) income attributable to noncontrolling interest
  
(246
)
  
175
   
(306
)
  
(628
)
Net loss attributable to Royal Bancshares of Pennsylavania, Inc.
 
$
(7,994
)
 
$
(4,812
)
 
$
(1,950
)
 
$
(869
)
Net loss available to common shareholders
 
$
(8,507
)
 
$
(5,323
)
 
$
(2,458
)
 
$
(1,375
)
Net loss per common share
                
Basic and diluted
 
$
(0.64
)
 
$
(0.40
)
 
$
(0.19
)
 
$
(0.10
)
XML 53 R31.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)
 12 Months Ended
Dec. 31, 2013
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]  
Principles of Consolidation
Principles of Consolidation

The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries, Royal Investments of Delaware, Inc., Royal Captive Insurance Company, Royal Preferred, LLC, and Royal Bank, including Royal Bank’s subsidiaries, Royal Real Estate of Pennsylvania, Inc., Royal Investment America, LLC, RBA Property LLC, Narberth Property Acquisition LLC, and Rio Marina LLC. In addition, Royal Bank has a 60% ownership interest in Royal Bank America Leasing, LP.  Royal Bank had a 60% ownership interest in Crusader Servicing Corporation (“CSC”) and Royal Tax Lien Services, LLC (“RTL”).  Effective December 31, 2013, Royal Bank agreed to a $1.25 million cash settlement with the former President of CSC and RTL, in which Royal Bank acquired his 40% ownership interest in RTL for $850,000.  The former President also relinquished his 20% ownership interest in CSC to Royal Bank. The combined value of the ownership interests was $2.6 million.  The settlement resulted in a $1.5 million gain for Royal Bank which was recorded as an increase to Additional Paid in Capital within Stockholders Equity.  As part of the cash settlement Royal Bank agreed to pay $400,000 for prior tax distributions. Additionally, the settlement agreement also includes a possible tax payment upon completion of the 2013 Forms K-1.  Effective, December 31, 2013, Royal Bank is an 80% owner of CSC and 100% owner of RTL. The two Delaware trusts, Royal Bancshares Capital Trust I and Royal Bancshares Capital Trust II are not consolidated per requirements under Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 810, “Consolidation” (“ASC Topic 810”). These consolidated financial statements reflect the historical information of the Company. All significant intercompany transactions and balances have been eliminated.
Use of Estimates
Use of Estimates

In preparing the consolidated financial statements in accordance with United States generally accepted accounting principles (“U.S. GAAP”), management is required to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and the accompanying notes. These estimates and assumptions are based on information available as of the date of the consolidated financial statements; therefore, actual results could differ from those estimates.

The principal estimates that are particularly susceptible to significant change in the near term relate to the allowance for loan and lease losses, loans held for sale, the valuation of other real estate owned, the valuation of deferred tax assets, other-than-temporary impairment losses on investment securities, net periodic pension costs and the pension benefit obligation.   In connection with the allowance for loan and lease losses estimate, management obtains independent appraisals for real estate collateral.  However, future changes in real estate market conditions and the economy could affect the Company’s allowance for loan and lease losses.  In addition, regulatory agencies, as an integral part of their examination process, periodically review the credit portfolio and the allowance. Such review may result in additional provisions based on their judgment of information available at the time of each examination.
 
Significant Concentration of Credit Risk
Significant Concentration of Credit Risk

Credit risk is one of the Company’s most significant risks. It is critical for consistent profitability that the Company effectively manages credit risk. Most of the Company’s activities are with customers located within the Mid-Atlantic region of the country.  “Note 3 – Investment Securities” to the Consolidated Financial Statements discusses the types of securities in which the Company invests.  “Note 4 – Loans and Leases” to the Consolidated Financial Statements discusses the types of lending in which the Company engages.  The Company does not have any portion of its business dependent on a single or limited number of customers, the loss of which would have a material adverse effect on its business.  The Company has 92% of its investment portfolio in securities issued by government sponsored entities.  The Company’s tax lien portfolio has a geographic concentration in the State of New Jersey.

No substantial portion of loans is concentrated within a single industry or group of related industries, except a significant majority of loans are secured by real estate.  There are numerous risks associated with commercial and consumer lending that could impact the borrower’s ability to repay on a timely basis.  They include, but are not limited to: the owner’s business expertise, changes in local, national, and in some cases international economies, competition, governmental regulation, and the general financial stability of the borrowing entity. Over the last few years, the Company had been impacted by deterioration in economic conditions as it pertains to real estate loans.  The Company’s commercial real estate, commercial and construction and development loans comprised 40%, 22% and 12%, respectively, of the loan portfolio.

The Company attempts to mitigate these risks through conservative underwriting policies and procedures which include an analysis of the borrower’s business and industry history, its financial position, as well as that of the business owner.  The Company will also require the borrower to provide current financial information on the operation of the business periodically over the life of the loan.  In addition, most commercial loans are secured by assets of the business or those of the business owner, which can be liquidated if the borrower defaults, along with the personal surety of the business owner.
U.S. GAAP RAP Difference
U.S. GAAP RAP Difference

In connection with a prior bank regulatory examination, the Federal Deposit Insurance Company (“FDIC”) concluded, based upon its interpretation of the Consolidated Reports of Condition and Income (the “Call Report”) instructions and under regulatory accounting principles (“RAP”), that income from Royal Bank’s tax lien business should be recognized on a cash basis, not an accrual basis.  Royal Bank’s current accrual method is in accordance with U.S. GAAP.  Royal Bank disagrees with the FDIC’s conclusion and filed the Call Report for December 31, 2013 and the previous 13 quarters in accordance with U.S. GAAP.  However, the change in the manner of revenue recognition for the tax lien business for regulatory accounting purposes affects Royal Bank’s and potentially the Company’s capital ratios as disclosed in “Note 2 - Regulatory Matters and Significant Risks And Uncertainties” and “Note 15 - Regulatory Capital Requirements” to the Consolidated Financial Statements.  The resolution of this matter will be decided by additional joint regulatory agency guidance which includes the Federal Reserve Bank, the FDIC, and the office of the Controller of the Currency ("OCC").
 
Reclassifications
Reclassifications

Certain items in the 2012 consolidated financial statements and accompanying notes have been reclassified to conform to the current year’s presentation format.  There was no effect on net income or net loss for the periods presented herein as a result of the reclassification.
Restatement
Restatement

In the fourth quarter of 2013, the Company recorded an error correction in previously issued financial statements related to net income tax receivables.  The tax receivables were related to amended tax returns for 2005 through 2007, in which the Company carried back losses from 2008 through 2009.  These amended returns were filed during the time period 2008 through 2011. In the fourth quarter of 2013, after an IRS joint committee concluded their review of the amended returns, management determined that the tax receivables would not be realized. The Company recorded a cumulative effect adjustment of $4.8 million to accumulated deficit, a component of the consolidated statement of changes in shareholders' equity, as of January 1, 2012 with the offsetting adjustment recorded to other assets and other liabilities.  There was no effect on net income, net loss, or earnings or loss per basic and diluted shares for the periods presented herein as a result of the restatement.  Below are the consolidated balance sheets and changes in shareholder equity statements that show the previously issued financial statement, the error correction, and the restated balances.
 
Royal Bancshares of Pennsylvania, Inc and Subsidiaries
Restatement of the Consolidated Balance Sheet
 
At December 31, 2012
 
As
Originally
Reported
  
Adjustment
  As Restated 
 
 
(In thousands)
 
Assets
 
  
  
 
Total cash and cash equivalents
 
$
28,802
  
$
-
  
$
28,802
 
Investment securities AFS, at fair value
  
349,203
   
-
   
349,203
 
Other investment, at cost
  
2,250
   
-
   
2,250
 
FHLB stock, at cost
  
6,011
   
-
   
6,011
 
Loans and leases held for sale
  
1,572
   
-
   
1,572
 
Loans and leases, net
  
326,904
   
-
   
326,904
 
Bank owned life insurance
  
14,585
   
-
   
14,585
 
Accrued interest receivable
  
10,256
   
-
   
10,256
 
OREO, net
  
13,435
   
-
   
13,435
 
Premises and equipment, net
  
5,232
   
-
   
5,232
 
Other assets
  
15,466
   
(4,261
)
  
11,205
 
Total assets
 
$
773,716
  
$
(4,261
)
 
$
769,455
 
Liabilities
            
Total deposits
 
$
554,917
  
$
-
  
$
554,917
 
Long-term borrowings
  
108,333
   
-
   
108,333
 
Subordinated debentures
  
25,774
   
-
   
25,774
 
Accrued interest payable
  
3,760
   
-
   
3,760
 
Other liabilities
  
22,517
   
586
   
23,103
 
Total liabilities
  
715,301
   
586
   
715,887
 
 
            
Shareholders' equity
            
Preferred stock
  
29,396
   
-
   
29,396
 
Common stock
  
23,065
   
-
   
23,065
 
Additional paid in capital
  
126,287
   
-
   
126,287
 
Accumulated deficit
  
(117,080
)
  
(4,797
)
  
(121,877
)
Accumulated other comprehensive loss
  
(142
)
  
-
   
(142
)
Treasury stock
  
(6,971
)
  
-
   
(6,971
)
Noncontrolling interest
  
3,860
   
(50
)
  
3,810
 
Shareholders' equity
  
58,415
   
(4,847
)
  
53,568
 
Total liabilities and shareholders' equity
 
$
773,716
  
$
(4,261
)
 
$
769,455
 
 

Royal Bancshares of Pennsylvania, Inc and Subsidiaries
Restatement of Consolidated Statement of Changes in Shareholders' Equity

At January 1, 2012
 
As
Originally
Reported
  
Adjustment
  As Restated 
 
 
(In thousands)
 
 
 
  
  
 
Preferred stock
 
$
28,878
  
$
-
  
$
28,878
 
Class A common stock
  
22,723
   
-
   
22,723
 
Class B common stock
  
208
   
-
   
208
 
Additional paid in capital
  
126,245
   
-
   
126,245
 
Accumulated deficit
  
(100,803
)
  
(4,797
)
  
(105,600
)
Accumulated other comprehensive income
  
800
   
-
   
800
 
Treasury stock
  
(6,971
)
  
-
   
(6,971
)
Noncontrolling interest
  
4,865
   
(50
)
  
4,815
 
Total shareholders' equity
 
$
75,945
  
$
(4,847
)
 
$
71,098
 
Cash and Cash Equivalents
Cash and Cash Equivalents

For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, interest-bearing deposits and federal funds sold.  Generally, federal funds are purchased and sold for one-day periods.
Investment Securities
Investment Securities

Management determines the appropriate classification of debt securities at the time of purchase and re-evaluates such designation as of each balance sheet date. Investments in debt securities that the Company has the positive intent and ability to hold to maturity are classified as held to maturity securities and reported at amortized cost.  Debt and equity securities that are bought and held principally for the purpose of selling them in the near term are classified as trading securities and reported at fair value, with unrealized holding gains and losses included in earnings.  Debt and equity securities not classified as trading securities, nor as held to maturity securities are classified as available for sale securities and reported at fair value, with unrealized holding gains or losses, net of deferred income taxes (when applicable), reported in the accumulated other comprehensive income component of shareholders’ equity.  The Company did not hold trading securities nor had securities classified as held to maturity at December 31, 2013 and 2012.  Discounts and premiums are accreted/amortized to income by use of the level-yield method.  Gain or loss on sales of securities available for sale is based on the specific identification method.

The Company evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis.  The Company assesses whether OTTI is present when the fair value of a security is less than its amortized cost.  All investment securities are evaluated for OTTI under FASB ASC Topic 320, “Investments-Debt & Equity Securities” (“ASC Topic 320”).  Non-agency collateralized mortgage obligations that are rated below AA are evaluated under FASB ASC Topic 320 Subtopic 40, “Beneficial Interests in Securitized Financial Assets” or under FASB ASC Topic 325, “Investments-Other” when applicable.  In determining whether OTTI exists, management considers numerous factors, including but not limited to: (1) the length of time and the extent to which the fair value is less than the amortized cost, (2) the Company’s intent to hold or sell the security, (3) the financial condition and results of the issuer including changes in capital, (4) the credit rating of the issuer, (5) analysts’ earnings estimate, (6) industry trends specific to the security, and (7) timing of debt maturity and status of debt payments.

Under ASC Topic 320, OTTI is considered to have occurred with respect to debt securities (1) if an entity intends to sell the security; (2) if it is more likely than not an entity will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of the expected cash flows is not sufficient to recover the entire amortized cost basis.  In addition, the amount of the OTTI recognized in earnings depends on whether an entity intends to sell or will more likely than not be required to sell the security.  If an entity intends to sell the security or will be required to sell the security, the OTTI shall be recognized in earnings equal to the entire difference between the fair value and the amortized cost basis at the balance sheet date.  If an entity does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before the recovery of its amortized cost basis, the OTTI shall be separated into two amounts, the credit-related loss and the noncredit-related loss. The credit-related loss is based on the present value of the expected cash flows and is recognized in earnings.  The noncredit-related loss is based on other factors such as illiquidity and is recognized in other comprehensive income.
Other Investment
Other Investment

This investment includes the Solomon Hess SBA Loan Fund, which the Company invested in to partially satisfy its community reinvestment requirement.  Shares in this fund are not publicly traded and therefore have no readily determinable fair market value.  An investor can have their investment in the Fund redeemed for the balance of their capital account at any quarter end with a 60-day notice to the Fund.  The investment in this Fund is recorded at cost.
Federal Home Loan Bank Stock
Federal Home Loan Bank Stock

As a member of the Federal Home Loan Bank of Pittsburgh (“FHLB”), the Company is required to purchase and hold stock in the FHLB to satisfy membership and borrowing requirements.  The stock can only be sold to the FHLB or to another member institution, and all sales of FHLB stock must be at par. As a result of these restrictions, there is no active market for the FHLB stock. As of December 31, 2013 and 2012, FHLB stock totaled $4.2 million and $6.0 million, respectively.

FHLB stock is held as a long-term investment and its value is determined based on the ultimate recoverability of the par value. The Company evaluates impairment quarterly. The decision of whether impairment exists is a matter of judgment that reflects management’s view of the FHLB’s long-term performance, which includes factors such as the following: (1) its operating performance, (2) the severity and duration of declines in the fair value of its net assets related to its capital stock amount, (3) its liquidity position, and (4) the impact of legislative and regulatory changes on the FHLB.  Based on the capital adequacy and the liquidity position of the FHLB, management believes that the par value of its investment in FHLB stock will be realized.  Accordingly, there is no other-than-temporary impairment related to the carrying amount of the Company’s FHLB stock as of December 31, 2013.
Loans Held for Sale
Loans Held for Sale

At December 31, 2013, the Company’s loans held for sale (“LHFS”) were comprised of three loans totaling $1.4 million.  The loans were transferred from loans held for investment (“LHFI”) to LHFS at fair market value using expected net sales proceeds.  At the time of transfer to LHFS, a gain of $429,000 was recorded in non-interest income. Generally any subsequent credit losses on LHFS are recorded as a component of non-interest expense. At December 31, 2012, LHFS were comprised of one $1.6 million non-accrual commercial real estate loan.
Loans and Leases
Loans and Leases

Loans and leases are classified as LHFI when management has the intent and ability to hold the loan or lease for the foreseeable future or until maturity or payoff.  LHFI are stated at their outstanding unpaid principal balances, net of an allowance for loan and leases losses and any deferred fees or costs. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the yield (interest income) of the related loans. The Company is generally amortizing these amounts over the contractual life of the loan.  The Company’s commercial and real estate loans, including construction and land development loans, are primarily in the greater Philadelphia metropolitan area as well as selected locations throughout the mid-Atlantic region.  The Company also has participated with other financial institutions in selected construction and land development loans outside our geographic area. The Company has a concentration of credit risk in commercial real estate and construction and land development loans at December 31, 2013.

The Company classifies its leases as finance leases, in accordance with FASB ASC Topic 840, “Leases”. The difference between the Company’s gross investment in the lease and the cost or carrying amount of the leased property, if different, is recorded as unearned income, which is amortized to income over the lease term by the interest method.

For all classes of loans receivable, with the exception of tax certificates, the accrual of interest is discontinued on a loan when management believes that the borrower’s financial condition is such that collection of principal and interest is doubtful or when a loan becomes 90 days past due. When a loan is placed on non-accrual all unpaid interest is reversed from interest income. Interest payments received on impaired nonaccrual loans are normally applied against principal. Excess proceeds received over the principal amounts due on impaired loans are recognized as income on a cash basis.  Generally, loans are restored to accrual status when the loan is brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally six months) and the ultimate collectibility of the total contractual principal and interest is no longer in doubt.  The past due status of all classes of loans receivable is determined based on contractual due dates for loan payments.  Tax certificates have no contractual maturity.  Collection is dependent upon the tax payer’s redemption of the lien, which includes principal interest and fees.

A loan modification is deemed a troubled debt restructuring (“TDR”) when two conditions are met: 1) the borrower is experiencing financial difficulty and 2) a concession is made by the Company that would not otherwise be considered for a borrower with similar credit risk characteristics.  If in modifying a loan the Company, for economic or legal reasons related to a borrower’s financial difficulties, grants a concession it would not normally consider then the loan modification is classified as a TDR. All loans classified as TDRs are considered to be impaired.  TDRs are returned to an accrual status when the loan is brought current, has performed in accordance with the contractual restructured terms for a reasonable period of time (generally six months) and the ultimate collectibility of the total contractual restructured principal and interest is no longer in doubt.  The Company’s policy for TDRs is to recognize interest income on currently performing restructured loans under the accrual method.

The Company accounts for guarantees in accordance with FASB ASC Topic 460 “Guarantees” (“ASC Topic 460”).  ASC Topic 460 requires a guarantor entity, at the inception of a guarantee covered by the measurement provisions of the interpretation, to record a liability for the fair value of the obligation undertaken in issuing the guarantee.  The Company has financial and performance letters of credit.  Financial letters of credit require the Company to make a payment if the customer’s condition deteriorates, as defined in agreements.  Performance letters of credits require the Company to make payments if the customer fails to perform certain non-financial contractual obligations.
 
Allowance for Loan and Lease Losses
Allowance for Loan and Lease Losses

The Company’s loan and lease portfolio (the “credit portfolio”) is subject to varying degrees of credit risk. The Company maintains an allowance for loan and lease losses (the “allowance”) to absorb losses in the loan and lease portfolio. The allowance is based on the review and evaluation of the loan and lease portfolio, along with ongoing, quarterly assessments of the probable losses inherent in that portfolio. The allowance represents an estimation made pursuant to FASB ASC Topic 450, “Contingencies” (“ASC Topic 450”) or FASB ASC Topic 310, “Receivables” (“ASC Topic 310”).  The adequacy of the allowance is determined through evaluation of the credit portfolio, and involves consideration of a number of factors, as outlined below, to establish a prudent level.

Determination of the allowance is inherently subjective and requires significant estimates, including estimated losses on pools of homogeneous loans and leases based on historical loss experience and consideration of current economic trends, which may be susceptible to significant change. Loans and leases deemed uncollectible are charged against the allowance, while recoveries are credited to the allowance. Management adjusts the level of the allowance through the provision for loan and lease losses, which is recorded as a current period expense. The Company’s systematic methodology for assessing the appropriateness of the allowance includes: (1) general reserves reflecting historical loss rates by loan type, (2) specific reserves for risk-rated credits based on probable losses on an individual or portfolio basis and (3) qualitative reserves based upon current economic conditions and other risk factors.

The loan portfolio is stratified into loan segments that have similar risk characteristics. The general allowance is based upon historical loss rates using a three-year rolling average of the historical loss experienced within each loan segment.  The qualitative factors used to adjust the historical loss experience address various risk characteristics of the Company’s loan and lease portfolio include evaluating: (1) trends in delinquencies and other non-performing loans, (2) changes in the risk profile related to large loans in the portfolio, (3) changes in the growth trends of categories of loans comprising the loan and lease portfolio, (4) concentrations of loans and leases to specific industry segments, (5) changes in economic conditions on both a local and national level, (6) quality of loan review and board oversight, (7) changes in lending policies and procedures, and (8) changes in lending staff. Each factor is assigned a value to reflect improving, stable or declining conditions based on management’s best judgment using relevant information available at the time of the evaluation. Adjustments to the factors are supported through documentation of changes in conditions in a report accompanying the allowance calculation.

The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower’s overall financial condition, repayment sources, guarantors and value of collateral, if appropriate, are evaluated annually for commercial loans or when credit deficiencies arise, such as delinquent loan payments, for commercial and consumer loans.  Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful and loss.  Loans classified as special mention have potential weaknesses that deserve management’s close attention.  If uncorrected, the potential weaknesses may result in deterioration of the repayment prospects.  Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  They include loans that are inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any.  Loans classified as doubtful have all the weaknesses inherent in loans classified substandard with the added characteristic that collection or liquidation in full, on the basis of current conditions and facts, is highly improbable.   Loans classified as a loss are considered uncollectible and are charged to the allowance for loan losses.  Loans not classified are rated pass.
The specific reserves are determined utilizing standards required under ASC Topic 310.  A loan is considered impaired when it is probable that interest and principal will not be collected according to the contractual terms of the loan agreement. Non-accrual loans and loans restructured under a TDR are evaluated for impairment on an individual basis considering all known relevant factors that may affect loan collectability such as the borrower’s overall financial condition, resources and payment record, support available from financial guarantors and the sufficiency of current collateral values (current appraisals or rent rolls for income producing properties), and risks inherent in different kinds of lending (such as source of repayment, quality of borrower and concentration of credit quality). Non-accrual loans that experience insignificant payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed.

Impairment is measured on a loan by loan basis for commercial and industrial loans, commercial real estate loans and commercial construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral if the loan is collateral dependent.  The estimated fair values of substantially all of the Company’s impaired loans are measured based on the estimated fair value of the loan’s collateral. The Company obtains third-party appraisals or real estate brokers’ opinions (“BPOs”) to establish the fair value of real estate collateral.  Appraised values or BPOs are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value. The discounts also include estimated costs to sell the property. For commercial and industrial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower’s financial statements, inventory reports, accounts receivable aging or equipment appraisals or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. A specific reserve is established for an impaired loan for the amount that the carrying value exceeds its estimated fair value. Once a loan is determined to be impaired it will be deducted from the portfolio balance and the net remaining balance will be used in the general and qualitative analysis.

Based on management’s comprehensive analysis of the loan and lease portfolio, management believes the current level of the allowance is adequate at December 31, 2013.   However, its determination requires significant judgment, and estimates of probable losses inherent in the credit portfolio can vary significantly from the amounts actually observed. While management uses available information to recognize probable losses, future changes to the allowance may be necessary.  These changes could be based in the credits comprising the portfolio and changes in the financial condition of borrowers, as the result of changes in economic conditions. In addition, regulatory agencies, as an integral part of their examination process, periodically review the credit portfolio and the allowance. Such review may result in additional provisions based on their judgment of information available at the time of each examination, which may not be currently available to management.
Other Real Estate Owned
Other Real Estate Owned

Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less costs to sell at the date of foreclosure, establishing a new cost basis.  Foreclosed real estate properties acquired through the tax certificate portfolio are transferred at the lower of cost or fair value principally due to uncertainty around the fair value of the foreclosed properties.  Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount recorded at acquisition date or fair value less costs to sell.  Third-party appraisals or agreements of sale are utilized to determine fair value the loan collateral while BPOs, agreements of sale, or in some cases, third-party appraisals are utilized to value properties from the tax certificate portfolio.  Revenue and expenses from operations and changes in the valuation allowance are included in other expenses.  For fair value measurement, OREO is included in level 3 assets.
 
Premises and Equipment
Premises and Equipment

Land is carried at cost.  Premises and equipment are stated at cost less accumulated depreciation, which is computed primarily using the modified accelerated cost recovery system (“MACRS”) over the estimated useful lives of the assets.  Leasehold improvements are depreciated over the shorter of the estimated useful lives of the improvements or the terms of the related leases.  Expected term includes lease options periods to the extent that the exercise of such options is reasonably assured.
Bank-Owned Life Insurance
Bank-Owned Life Insurance

Royal Bank has purchased life insurance policies on certain executives.  These policies are reflected on the consolidated balance sheets at their cash surrender value, or the amount that can be realized.  Income from these policies and changes in the cash surrender value are recorded in other income.
Advertising Costs
Advertising Costs

Advertising costs are expensed as incurred.  The Company’s advertising costs were $209,000 and $127,000 for 2013 and 2012, respectively.
Benefit Plans
Benefit Plans

The Company has a noncontributory nonqualified, defined benefit pension plan covering certain eligible employees.  The plan provides retirement benefits under pension trust agreements.  The benefits are based on years of service and the employee’s compensation during the highest three consecutive years during the last 10 years of employment.  Net pension expense consists of service costs and interest costs.  The Company accrues pension costs as incurred.

The Company has a capital accumulation and salary reduction plan under Section 401(k) of the Internal Revenue Code of 1986, as amended.  Under the plan, all employees are eligible to contribute up to the maximum allowed by Internal Revenue Service (“IRS”) regulation, with the Company matching 100% of any contribution between 1% and 5% subject to a $2,500 per employee annual limit.  During 2013 and 2012, no matching contribution was made as a result of a management decision to reduce costs.
Stock Compensation
Stock Compensation

FASB ASC Topic 718, “Compensation-Stock Compensation” (“ASC Topic 718”) requires that the compensation cost relating to share-based payment transactions be recognized in consolidated financial statements.  The costs are measured based on the fair value of the equity or liability instruments issued.  ASC Topic 718 covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights, and employee share purchase plans.  The effect of ASC Topic 718 is to require entities to measure the cost of employee services received in exchange for stock options based on the grant-date fair value of the award, and to recognize the cost over the period the employee is required to provide services for the award.  ASC Topic 718 permits entities to use any option-pricing model that meets the fair value objective in the Statement.  The Company recorded compensation expense relating to stock options and restricted stock of $22,000 and $42,000 during 2013 and 2012, respectively.

At December 31, 2013, the Company had a director stock-based plan, an employee stock-based plan, and a long-term incentive compensation plan, which are more fully described in “Note 17 – Stock Compensation Plans” to the Consolidated Financial Statements.
Trust Preferred Securities
Trust Preferred Securities

Royal Bancshares Capital Trust I/II (“Trusts”) issued mandatory redeemable preferred stock to investors and loaned the proceeds to the Company.  The Trusts hold, as their sole asset, subordinated debentures issued by the Company in 2004.  The Company does not consolidate the Trusts as ASC Topic 810 precludes consideration of the call option embedded in the preferred stock when determining if the Company has the right to a majority of the Trusts expected returns.  The non-consolidation results in the investment in common stock of the Trusts to be included in other assets with a corresponding increase in outstanding debt of $774,000.  In addition, the income accrued on the Company’s common stock investments is included in other income.  Refer to “Note 10 – Borrowings and Subordinated Debentures” to the Consolidated Financial Statements for more information.
Income Taxes
Income Taxes

The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC Topic 740, Income Taxes), which includes guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions. The Company had no material unrecognized tax benefits or accrued interest and penalties as of December 31, 2013 and 2012.  The Company’s policy is to account for interest as a component of interest expense and penalties as a component of other expense.

The Company and its subsidiaries file a consolidated federal income tax return.  Income taxes are allocated to the Company and its subsidiaries based on the contribution of their income or use of their loss in the consolidated return.  Separate state income tax returns are filed by the Company and its subsidiaries. The Company is subject to examination by taxing authorities for the years 2006, 2007 and 2009 through 2013.

Federal and state income taxes have been provided on the basis of reported income or loss.  The amounts reflected on the tax returns differ from these provisions due principally to temporary differences in the reporting of certain items for financial reporting and income tax reporting purposes. The tax effect of these temporary differences is accounted for as deferred taxes applicable to future periods. Deferred income tax expense or benefit is determined by recognizing deferred tax assets and liabilities for the estimated future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled.  The effect on deferred assets and liabilities of a change in tax rates is recognized in earnings in the period that includes the enactment date.  The realization of deferred tax assets is assessed and a valuation allowance provided for the full amount which is not more likely than not to be realized.
Treasury Stock
Treasury Stock

Shares of common stock repurchased are recorded as treasury stock at cost.
Earnings (Losses) Per Share Information
Earnings (Losses) Per Share Information

Basic per share data excludes dilution and is computed by dividing income (loss) available to common shareholders by the weighted average common shares outstanding during the period.  Diluted per share data takes into account the potential dilution that could occur if securities or other contracts to issue common stock were exercised and converted into common stock, using the treasury stock method.

The Class B shares of the Company may be converted to Class A shares at the rate of 1.15 to 1.
 
Comprehensive Income (Loss)
Comprehensive Income (Loss)

The Company reports comprehensive income (loss) in accordance with FASB ASC Topic 220, “Comprehensive Income” (“ASC Topic 220”), which requires the reporting of all changes in equity during the reporting period except investments from and distributions to shareholders.  Net income (loss) is a component of comprehensive income (loss) with all other components referred to in the aggregate as other comprehensive income (loss).  Comprehensive income (loss) consists of net income (loss) and other comprehensive income (loss).  Other comprehensive income (loss) includes unrealized gains and losses on available for sale investment securities, non-credit related losses on other-than-temporarily impaired investment securities, and adjustment to net periodic pension cost.
Fair Value of Financial Instruments
Fair Value of Financial Instruments

For information on the fair value of the Company’s financial instruments refer to “Note 20 - Fair Value of Financial Instruments” to the Consolidated Financial Statements.
Restrictions on Cash and Amounts Due From Banks
Restrictions on Cash and Amounts Due From Banks

Royal Bank is required to maintain average balances on hand with the Federal Reserve Bank.  At December 31, 2013 and 2012, these reserve balances amounted to $100,000.
Recent Accounting Pronouncements
2. Recent Accounting Pronouncements

In December 2011, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2011-11, Balance Sheet (Topic 210): Disclosures about Offsetting Assets and Liabilities (“ASU 2011-11”).  Because of the significant differences in requirements under U.S. GAAP and IFRS, FASB and the International Accounting Standards Board (“IASB”) are issuing joint requirements that will enhance current disclosures. Entities are required to disclose both gross information and net information about both instruments and transactions eligible for offset in the statement of financial position and instruments and transactions subject to an agreement similar to a master netting arrangement. This scope would include derivatives, sale and repurchase agreements and reverse sale and repurchase agreements, and securities borrowing and securities lending arrangements. The objective of this disclosure is to facilitate comparison between those entities that prepare their financial statements on the basis of U.S. GAAP and those entities that prepare their financial statements on the basis of IFRS. ASU 2011-11 is effective for annual periods beginning on or after January 1, 2013 and interim periods within those annual periods. An entity should provide the disclosures required by these amendments retrospectively for all comparative periods presented. The adoption of ASU 2011-11 did not have a significant impact on the Company’s consolidated financial statements.

In February 2013, the FASB issued ASU No. 2013-02, Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income (“ASU 2013-02”) to improve the reporting of reclassifications out of accumulated comprehensive income. ASU 2013-02 does not change the current requirements for reporting net income or other comprehensive income in financial statements. However, ASU 2013-02 requires an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income but only if the amount reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income, an entity is required to cross-reference to other disclosures required under U.S. GAAP that provide additional detail about those amounts. ASU 2013-02 is effective for reporting periods beginning after December 15, 2012. The adoption of ASU 2013-02 did not have a significant impact on the Company’s consolidated financial statements.
 
In February 2013, the FASB issued ASU No. 2013-04, Liabilities (Topic 405): Obligations Resulting from Joint and Several Liability Arrangements for Which the Total Amount of the Obligation Is Fixed at the Reporting Date (ASU 2013-04).  ASU 2013-04 provides guidance for the recognition, measurement and disclosure of obligations resulting from joint and several liability arrangements.  ASU 2013-04 requires an entity to measure obligations resulting from joint and several liability arrangements for which the total amount of the obligation within the scope of this guidance is fixed at the reporting date, as the sum of the following:


a. The amount the reporting entity agreed to pay on the basis of its arrangement among its co-obligors
b. Any additional amount the reporting entity expects to pay on behalf of its co-obligors.


ASU 2013-04 also requires an entity to disclose the nature and amount of the obligation as well as other information about those obligations.  For public companies ASU 2013-04 is effective for reporting periods beginning after December 15, 2013. The adoption of ASU 2013-04 is not expected to have a significant impact on the Company’s consolidated financial statements.

In July 2013, the FASB issued ASU No. 2013-11, Income Taxes (Topic 740):  Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists (“ASU 2013-11”).  Currently there is diversity in practice in the presentation of unrecognized tax benefits.  The aim of ASU 2013-11 is to provide guidance on the financial statement presentation of an unrecognized tax benefit when a net operating loss carryforward, similar tax loss, or tax credit carryforward exists. An unrecognized tax benefit, or a portion of an unrecognized tax benefit, should be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except for circumstances outlined in ASU 2013-11.  For public companies ASU 2013-11 is effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. Early adoption is permitted.  The adoption of ASU 2013-04 is not expected to have a significant impact on the Company’s consolidated financial statements.

In January 2014, FASB issued ASU No. 2014-04 Receivables (Topic 310): Troubled Debt Restructurings by Creditors (Subtopic 310-40) Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure (“ASU 2014-04”).  ASC Topic 310 includes guidance that states that a creditor should reclassify a collateralized mortgage loan such that the loan should be derecognized and the collateral asset recognized when it determines that there has been in substance a repossession or foreclosure by the creditor, that is, the creditor receives physical possession of the debtor’s assets regardless of whether formal foreclosure proceedings take place. However, the terms in substance a repossession or foreclosure and physical possession are not defined in the accounting literature and there is diversity about when a creditor should derecognize the loan receivable and recognize the real estate property. That diversity has been highlighted by recent extended foreclosure timelines and processes related to residential real estate properties.

The objectives in ASU 2014-04 are intended to reduce diversity in practice by clarifying when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate property recognized. Holding foreclosed real estate property presents different operational and economic risk to creditors compared with holding an impaired loan. Therefore, consistency in the timing of loan derecognition and presentation of foreclosed real estate properties is of qualitative significance to users of the creditor’s financial statements. Additionally, the disclosure of the amount of foreclosed residential real estate properties and of the recorded investment in consumer mortgage loans secured by residential real estate properties that are in the process of foreclosure is expected to provide decision-useful information to many users of the creditor’s financial statements. The amendments in ASU 2014-04 are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in ASU 2014-04 using either a modified retrospective transition method or a prospective transition method.  Early adoption is permitted. Early adoption is permitted.  The adoption of ASU 2014-04 is not expected to have a significant impact on the Company’s consolidated financial statements.
 
XML 54 R8.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
 12 Months Ended
Dec. 31, 2013
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]  
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

1.  Basis of Financial Statement Presentation

Nature of Operations

Royal Bancshares of Pennsylvania, Inc. (the “Company”), through its wholly-owned subsidiary Royal Bank America (“Royal Bank”) offers a full range of banking services to individual and corporate customers primarily located in the Mid-Atlantic states.  Royal Bank competes with other banking and financial institutions in certain markets, including financial institutions with resources substantially greater than its own.  Commercial banks, savings banks, savings and loan associations, credit unions and brokerage firms actively compete for savings and time deposits and for various types of loans.  Such institutions, as well as consumer finance and insurance companies, may be considered competitors of Royal Bank with respect to one or more of the services it renders.

Principles of Consolidation

The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries, Royal Investments of Delaware, Inc., Royal Captive Insurance Company, Royal Preferred, LLC, and Royal Bank, including Royal Bank’s subsidiaries, Royal Real Estate of Pennsylvania, Inc., Royal Investment America, LLC, RBA Property LLC, Narberth Property Acquisition LLC, and Rio Marina LLC. In addition, Royal Bank has a 60% ownership interest in Royal Bank America Leasing, LP.  Royal Bank had a 60% ownership interest in Crusader Servicing Corporation (“CSC”) and Royal Tax Lien Services, LLC (“RTL”).  Effective December 31, 2013, Royal Bank agreed to a $1.25 million cash settlement with the former President of CSC and RTL, in which Royal Bank acquired his 40% ownership interest in RTL for $850,000.  The former President also relinquished his 20% ownership interest in CSC to Royal Bank. The combined value of the ownership interests was $2.6 million.  The settlement resulted in a $1.5 million gain for Royal Bank which was recorded as an increase to Additional Paid in Capital within Stockholders Equity.  As part of the cash settlement Royal Bank agreed to pay $400,000 for prior tax distributions. Additionally, the settlement agreement also includes a possible tax payment upon completion of the 2013 Forms K-1.  Effective, December 31, 2013, Royal Bank is an 80% owner of CSC and 100% owner of RTL. The two Delaware trusts, Royal Bancshares Capital Trust I and Royal Bancshares Capital Trust II are not consolidated per requirements under Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 810, “Consolidation” (“ASC Topic 810”). These consolidated financial statements reflect the historical information of the Company. All significant intercompany transactions and balances have been eliminated.

Use of Estimates

In preparing the consolidated financial statements in accordance with United States generally accepted accounting principles (“U.S. GAAP”), management is required to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and the accompanying notes. These estimates and assumptions are based on information available as of the date of the consolidated financial statements; therefore, actual results could differ from those estimates.

The principal estimates that are particularly susceptible to significant change in the near term relate to the allowance for loan and lease losses, loans held for sale, the valuation of other real estate owned, the valuation of deferred tax assets, other-than-temporary impairment losses on investment securities, net periodic pension costs and the pension benefit obligation.   In connection with the allowance for loan and lease losses estimate, management obtains independent appraisals for real estate collateral.  However, future changes in real estate market conditions and the economy could affect the Company’s allowance for loan and lease losses.  In addition, regulatory agencies, as an integral part of their examination process, periodically review the credit portfolio and the allowance. Such review may result in additional provisions based on their judgment of information available at the time of each examination.
 
Significant Concentration of Credit Risk

Credit risk is one of the Company’s most significant risks. It is critical for consistent profitability that the Company effectively manages credit risk. Most of the Company’s activities are with customers located within the Mid-Atlantic region of the country.  “Note 3 – Investment Securities” to the Consolidated Financial Statements discusses the types of securities in which the Company invests.  “Note 4 – Loans and Leases” to the Consolidated Financial Statements discusses the types of lending in which the Company engages.  The Company does not have any portion of its business dependent on a single or limited number of customers, the loss of which would have a material adverse effect on its business.  The Company has 92% of its investment portfolio in securities issued by government sponsored entities.  The Company’s tax lien portfolio has a geographic concentration in the State of New Jersey.

No substantial portion of loans is concentrated within a single industry or group of related industries, except a significant majority of loans are secured by real estate.  There are numerous risks associated with commercial and consumer lending that could impact the borrower’s ability to repay on a timely basis.  They include, but are not limited to: the owner’s business expertise, changes in local, national, and in some cases international economies, competition, governmental regulation, and the general financial stability of the borrowing entity. Over the last few years, the Company had been impacted by deterioration in economic conditions as it pertains to real estate loans.  The Company’s commercial real estate, commercial and construction and development loans comprised 40%, 22% and 12%, respectively, of the loan portfolio.

The Company attempts to mitigate these risks through conservative underwriting policies and procedures which include an analysis of the borrower’s business and industry history, its financial position, as well as that of the business owner.  The Company will also require the borrower to provide current financial information on the operation of the business periodically over the life of the loan.  In addition, most commercial loans are secured by assets of the business or those of the business owner, which can be liquidated if the borrower defaults, along with the personal surety of the business owner.

U.S. GAAP RAP Difference

In connection with a prior bank regulatory examination, the Federal Deposit Insurance Company (“FDIC”) concluded, based upon its interpretation of the Consolidated Reports of Condition and Income (the “Call Report”) instructions and under regulatory accounting principles (“RAP”), that income from Royal Bank’s tax lien business should be recognized on a cash basis, not an accrual basis.  Royal Bank’s current accrual method is in accordance with U.S. GAAP.  Royal Bank disagrees with the FDIC’s conclusion and filed the Call Report for December 31, 2013 and the previous 13 quarters in accordance with U.S. GAAP.  However, the change in the manner of revenue recognition for the tax lien business for regulatory accounting purposes affects Royal Bank’s and potentially the Company’s capital ratios as disclosed in “Note 2 - Regulatory Matters and Significant Risks And Uncertainties” and “Note 15 - Regulatory Capital Requirements” to the Consolidated Financial Statements.  The resolution of this matter will be decided by additional joint regulatory agency guidance which includes the Federal Reserve Bank, the FDIC, and the office of the Controller of the Currency ("OCC").
 
Reclassifications

Certain items in the 2012 consolidated financial statements and accompanying notes have been reclassified to conform to the current year’s presentation format.  There was no effect on net income or net loss for the periods presented herein as a result of the reclassification.

Restatement

In the fourth quarter of 2013, the Company recorded an error correction in previously issued financial statements related to net income tax receivables.  The tax receivables were related to amended tax returns for 2005 through 2007, in which the Company carried back losses from 2008 through 2009.  These amended returns were filed during the time period 2008 through 2011. In the fourth quarter of 2013, after an IRS joint committee concluded their review of the amended returns, management determined that the tax receivables would not be realized. The Company recorded a cumulative effect adjustment of $4.8 million to accumulated deficit, a component of the consolidated statement of changes in shareholders' equity, as of January 1, 2012 with the offsetting adjustment recorded to other assets and other liabilities.  There was no effect on net income, net loss, or earnings or loss per basic and diluted shares for the periods presented herein as a result of the restatement.  Below are the consolidated balance sheets and changes in shareholder equity statements that show the previously issued financial statement, the error correction, and the restated balances.
 
Royal Bancshares of Pennsylvania, Inc and Subsidiaries
Restatement of the Consolidated Balance Sheet
 
At December 31, 2012
 
As
Originally
Reported
  
Adjustment
  As Restated 
 
 
(In thousands)
 
Assets
 
  
  
 
Total cash and cash equivalents
 
$
28,802
  
$
-
  
$
28,802
 
Investment securities AFS, at fair value
  
349,203
   
-
   
349,203
 
Other investment, at cost
  
2,250
   
-
   
2,250
 
FHLB stock, at cost
  
6,011
   
-
   
6,011
 
Loans and leases held for sale
  
1,572
   
-
   
1,572
 
Loans and leases, net
  
326,904
   
-
   
326,904
 
Bank owned life insurance
  
14,585
   
-
   
14,585
 
Accrued interest receivable
  
10,256
   
-
   
10,256
 
OREO, net
  
13,435
   
-
   
13,435
 
Premises and equipment, net
  
5,232
   
-
   
5,232
 
Other assets
  
15,466
   
(4,261
)
  
11,205
 
Total assets
 
$
773,716
  
$
(4,261
)
 
$
769,455
 
Liabilities
            
Total deposits
 
$
554,917
  
$
-
  
$
554,917
 
Long-term borrowings
  
108,333
   
-
   
108,333
 
Subordinated debentures
  
25,774
   
-
   
25,774
 
Accrued interest payable
  
3,760
   
-
   
3,760
 
Other liabilities
  
22,517
   
586
   
23,103
 
Total liabilities
  
715,301
   
586
   
715,887
 
 
            
Shareholders' equity
            
Preferred stock
  
29,396
   
-
   
29,396
 
Common stock
  
23,065
   
-
   
23,065
 
Additional paid in capital
  
126,287
   
-
   
126,287
 
Accumulated deficit
  
(117,080
)
  
(4,797
)
  
(121,877
)
Accumulated other comprehensive loss
  
(142
)
  
-
   
(142
)
Treasury stock
  
(6,971
)
  
-
   
(6,971
)
Noncontrolling interest
  
3,860
   
(50
)
  
3,810
 
Shareholders' equity
  
58,415
   
(4,847
)
  
53,568
 
Total liabilities and shareholders' equity
 
$
773,716
  
$
(4,261
)
 
$
769,455
 
 

Royal Bancshares of Pennsylvania, Inc and Subsidiaries
Restatement of Consolidated Statement of Changes in Shareholders' Equity

At January 1, 2012
 
As
Originally
Reported
  
Adjustment
  As Restated 
 
 
(In thousands)
 
 
 
  
  
 
Preferred stock
 
$
28,878
  
$
-
  
$
28,878
 
Class A common stock
  
22,723
   
-
   
22,723
 
Class B common stock
  
208
   
-
   
208
 
Additional paid in capital
  
126,245
   
-
   
126,245
 
Accumulated deficit
  
(100,803
)
  
(4,797
)
  
(105,600
)
Accumulated other comprehensive income
  
800
   
-
   
800
 
Treasury stock
  
(6,971
)
  
-
   
(6,971
)
Noncontrolling interest
  
4,865
   
(50
)
  
4,815
 
Total shareholders' equity
 
$
75,945
  
$
(4,847
)
 
$
71,098
 

Cash and Cash Equivalents

For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, interest-bearing deposits and federal funds sold.  Generally, federal funds are purchased and sold for one-day periods.

Investment Securities

Management determines the appropriate classification of debt securities at the time of purchase and re-evaluates such designation as of each balance sheet date. Investments in debt securities that the Company has the positive intent and ability to hold to maturity are classified as held to maturity securities and reported at amortized cost.  Debt and equity securities that are bought and held principally for the purpose of selling them in the near term are classified as trading securities and reported at fair value, with unrealized holding gains and losses included in earnings.  Debt and equity securities not classified as trading securities, nor as held to maturity securities are classified as available for sale securities and reported at fair value, with unrealized holding gains or losses, net of deferred income taxes (when applicable), reported in the accumulated other comprehensive income component of shareholders’ equity.  The Company did not hold trading securities nor had securities classified as held to maturity at December 31, 2013 and 2012.  Discounts and premiums are accreted/amortized to income by use of the level-yield method.  Gain or loss on sales of securities available for sale is based on the specific identification method.

The Company evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis.  The Company assesses whether OTTI is present when the fair value of a security is less than its amortized cost.  All investment securities are evaluated for OTTI under FASB ASC Topic 320, “Investments-Debt & Equity Securities” (“ASC Topic 320”).  Non-agency collateralized mortgage obligations that are rated below AA are evaluated under FASB ASC Topic 320 Subtopic 40, “Beneficial Interests in Securitized Financial Assets” or under FASB ASC Topic 325, “Investments-Other” when applicable.  In determining whether OTTI exists, management considers numerous factors, including but not limited to: (1) the length of time and the extent to which the fair value is less than the amortized cost, (2) the Company’s intent to hold or sell the security, (3) the financial condition and results of the issuer including changes in capital, (4) the credit rating of the issuer, (5) analysts’ earnings estimate, (6) industry trends specific to the security, and (7) timing of debt maturity and status of debt payments.

Under ASC Topic 320, OTTI is considered to have occurred with respect to debt securities (1) if an entity intends to sell the security; (2) if it is more likely than not an entity will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of the expected cash flows is not sufficient to recover the entire amortized cost basis.  In addition, the amount of the OTTI recognized in earnings depends on whether an entity intends to sell or will more likely than not be required to sell the security.  If an entity intends to sell the security or will be required to sell the security, the OTTI shall be recognized in earnings equal to the entire difference between the fair value and the amortized cost basis at the balance sheet date.  If an entity does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before the recovery of its amortized cost basis, the OTTI shall be separated into two amounts, the credit-related loss and the noncredit-related loss. The credit-related loss is based on the present value of the expected cash flows and is recognized in earnings.  The noncredit-related loss is based on other factors such as illiquidity and is recognized in other comprehensive income.

Other Investment

This investment includes the Solomon Hess SBA Loan Fund, which the Company invested in to partially satisfy its community reinvestment requirement.  Shares in this fund are not publicly traded and therefore have no readily determinable fair market value.  An investor can have their investment in the Fund redeemed for the balance of their capital account at any quarter end with a 60-day notice to the Fund.  The investment in this Fund is recorded at cost.

Federal Home Loan Bank Stock

As a member of the Federal Home Loan Bank of Pittsburgh (“FHLB”), the Company is required to purchase and hold stock in the FHLB to satisfy membership and borrowing requirements.  The stock can only be sold to the FHLB or to another member institution, and all sales of FHLB stock must be at par. As a result of these restrictions, there is no active market for the FHLB stock. As of December 31, 2013 and 2012, FHLB stock totaled $4.2 million and $6.0 million, respectively.

FHLB stock is held as a long-term investment and its value is determined based on the ultimate recoverability of the par value. The Company evaluates impairment quarterly. The decision of whether impairment exists is a matter of judgment that reflects management’s view of the FHLB’s long-term performance, which includes factors such as the following: (1) its operating performance, (2) the severity and duration of declines in the fair value of its net assets related to its capital stock amount, (3) its liquidity position, and (4) the impact of legislative and regulatory changes on the FHLB.  Based on the capital adequacy and the liquidity position of the FHLB, management believes that the par value of its investment in FHLB stock will be realized.  Accordingly, there is no other-than-temporary impairment related to the carrying amount of the Company’s FHLB stock as of December 31, 2013.

Loans Held for Sale

At December 31, 2013, the Company’s loans held for sale (“LHFS”) were comprised of three loans totaling $1.4 million.  The loans were transferred from loans held for investment (“LHFI”) to LHFS at fair market value using expected net sales proceeds.  At the time of transfer to LHFS, a gain of $429,000 was recorded in non-interest income. Generally any subsequent credit losses on LHFS are recorded as a component of non-interest expense. At December 31, 2012, LHFS were comprised of one $1.6 million non-accrual commercial real estate loan.

Loans and Leases

Loans and leases are classified as LHFI when management has the intent and ability to hold the loan or lease for the foreseeable future or until maturity or payoff.  LHFI are stated at their outstanding unpaid principal balances, net of an allowance for loan and leases losses and any deferred fees or costs. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the yield (interest income) of the related loans. The Company is generally amortizing these amounts over the contractual life of the loan.  The Company’s commercial and real estate loans, including construction and land development loans, are primarily in the greater Philadelphia metropolitan area as well as selected locations throughout the mid-Atlantic region.  The Company also has participated with other financial institutions in selected construction and land development loans outside our geographic area. The Company has a concentration of credit risk in commercial real estate and construction and land development loans at December 31, 2013.

The Company classifies its leases as finance leases, in accordance with FASB ASC Topic 840, “Leases”. The difference between the Company’s gross investment in the lease and the cost or carrying amount of the leased property, if different, is recorded as unearned income, which is amortized to income over the lease term by the interest method.

For all classes of loans receivable, with the exception of tax certificates, the accrual of interest is discontinued on a loan when management believes that the borrower’s financial condition is such that collection of principal and interest is doubtful or when a loan becomes 90 days past due. When a loan is placed on non-accrual all unpaid interest is reversed from interest income. Interest payments received on impaired nonaccrual loans are normally applied against principal. Excess proceeds received over the principal amounts due on impaired loans are recognized as income on a cash basis.  Generally, loans are restored to accrual status when the loan is brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally six months) and the ultimate collectibility of the total contractual principal and interest is no longer in doubt.  The past due status of all classes of loans receivable is determined based on contractual due dates for loan payments.  Tax certificates have no contractual maturity.  Collection is dependent upon the tax payer’s redemption of the lien, which includes principal interest and fees.

A loan modification is deemed a troubled debt restructuring (“TDR”) when two conditions are met: 1) the borrower is experiencing financial difficulty and 2) a concession is made by the Company that would not otherwise be considered for a borrower with similar credit risk characteristics.  If in modifying a loan the Company, for economic or legal reasons related to a borrower’s financial difficulties, grants a concession it would not normally consider then the loan modification is classified as a TDR. All loans classified as TDRs are considered to be impaired.  TDRs are returned to an accrual status when the loan is brought current, has performed in accordance with the contractual restructured terms for a reasonable period of time (generally six months) and the ultimate collectibility of the total contractual restructured principal and interest is no longer in doubt.  The Company’s policy for TDRs is to recognize interest income on currently performing restructured loans under the accrual method.

The Company accounts for guarantees in accordance with FASB ASC Topic 460 “Guarantees” (“ASC Topic 460”).  ASC Topic 460 requires a guarantor entity, at the inception of a guarantee covered by the measurement provisions of the interpretation, to record a liability for the fair value of the obligation undertaken in issuing the guarantee.  The Company has financial and performance letters of credit.  Financial letters of credit require the Company to make a payment if the customer’s condition deteriorates, as defined in agreements.  Performance letters of credits require the Company to make payments if the customer fails to perform certain non-financial contractual obligations.
 
Allowance for Loan and Lease Losses

The Company’s loan and lease portfolio (the “credit portfolio”) is subject to varying degrees of credit risk. The Company maintains an allowance for loan and lease losses (the “allowance”) to absorb losses in the loan and lease portfolio. The allowance is based on the review and evaluation of the loan and lease portfolio, along with ongoing, quarterly assessments of the probable losses inherent in that portfolio. The allowance represents an estimation made pursuant to FASB ASC Topic 450, “Contingencies” (“ASC Topic 450”) or FASB ASC Topic 310, “Receivables” (“ASC Topic 310”).  The adequacy of the allowance is determined through evaluation of the credit portfolio, and involves consideration of a number of factors, as outlined below, to establish a prudent level.

Determination of the allowance is inherently subjective and requires significant estimates, including estimated losses on pools of homogeneous loans and leases based on historical loss experience and consideration of current economic trends, which may be susceptible to significant change. Loans and leases deemed uncollectible are charged against the allowance, while recoveries are credited to the allowance. Management adjusts the level of the allowance through the provision for loan and lease losses, which is recorded as a current period expense. The Company’s systematic methodology for assessing the appropriateness of the allowance includes: (1) general reserves reflecting historical loss rates by loan type, (2) specific reserves for risk-rated credits based on probable losses on an individual or portfolio basis and (3) qualitative reserves based upon current economic conditions and other risk factors.

The loan portfolio is stratified into loan segments that have similar risk characteristics. The general allowance is based upon historical loss rates using a three-year rolling average of the historical loss experienced within each loan segment.  The qualitative factors used to adjust the historical loss experience address various risk characteristics of the Company’s loan and lease portfolio include evaluating: (1) trends in delinquencies and other non-performing loans, (2) changes in the risk profile related to large loans in the portfolio, (3) changes in the growth trends of categories of loans comprising the loan and lease portfolio, (4) concentrations of loans and leases to specific industry segments, (5) changes in economic conditions on both a local and national level, (6) quality of loan review and board oversight, (7) changes in lending policies and procedures, and (8) changes in lending staff. Each factor is assigned a value to reflect improving, stable or declining conditions based on management’s best judgment using relevant information available at the time of the evaluation. Adjustments to the factors are supported through documentation of changes in conditions in a report accompanying the allowance calculation.

The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower’s overall financial condition, repayment sources, guarantors and value of collateral, if appropriate, are evaluated annually for commercial loans or when credit deficiencies arise, such as delinquent loan payments, for commercial and consumer loans.  Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful and loss.  Loans classified as special mention have potential weaknesses that deserve management’s close attention.  If uncorrected, the potential weaknesses may result in deterioration of the repayment prospects.  Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  They include loans that are inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any.  Loans classified as doubtful have all the weaknesses inherent in loans classified substandard with the added characteristic that collection or liquidation in full, on the basis of current conditions and facts, is highly improbable.   Loans classified as a loss are considered uncollectible and are charged to the allowance for loan losses.  Loans not classified are rated pass.
The specific reserves are determined utilizing standards required under ASC Topic 310.  A loan is considered impaired when it is probable that interest and principal will not be collected according to the contractual terms of the loan agreement. Non-accrual loans and loans restructured under a TDR are evaluated for impairment on an individual basis considering all known relevant factors that may affect loan collectability such as the borrower’s overall financial condition, resources and payment record, support available from financial guarantors and the sufficiency of current collateral values (current appraisals or rent rolls for income producing properties), and risks inherent in different kinds of lending (such as source of repayment, quality of borrower and concentration of credit quality). Non-accrual loans that experience insignificant payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed.

Impairment is measured on a loan by loan basis for commercial and industrial loans, commercial real estate loans and commercial construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral if the loan is collateral dependent.  The estimated fair values of substantially all of the Company’s impaired loans are measured based on the estimated fair value of the loan’s collateral. The Company obtains third-party appraisals or real estate brokers’ opinions (“BPOs”) to establish the fair value of real estate collateral.  Appraised values or BPOs are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value. The discounts also include estimated costs to sell the property. For commercial and industrial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower’s financial statements, inventory reports, accounts receivable aging or equipment appraisals or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. A specific reserve is established for an impaired loan for the amount that the carrying value exceeds its estimated fair value. Once a loan is determined to be impaired it will be deducted from the portfolio balance and the net remaining balance will be used in the general and qualitative analysis.

Based on management’s comprehensive analysis of the loan and lease portfolio, management believes the current level of the allowance is adequate at December 31, 2013.   However, its determination requires significant judgment, and estimates of probable losses inherent in the credit portfolio can vary significantly from the amounts actually observed. While management uses available information to recognize probable losses, future changes to the allowance may be necessary.  These changes could be based in the credits comprising the portfolio and changes in the financial condition of borrowers, as the result of changes in economic conditions. In addition, regulatory agencies, as an integral part of their examination process, periodically review the credit portfolio and the allowance. Such review may result in additional provisions based on their judgment of information available at the time of each examination, which may not be currently available to management.

Other Real Estate Owned

Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less costs to sell at the date of foreclosure, establishing a new cost basis.  Foreclosed real estate properties acquired through the tax certificate portfolio are transferred at the lower of cost or fair value principally due to uncertainty around the fair value of the foreclosed properties.  Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount recorded at acquisition date or fair value less costs to sell.  Third-party appraisals or agreements of sale are utilized to determine fair value the loan collateral while BPOs, agreements of sale, or in some cases, third-party appraisals are utilized to value properties from the tax certificate portfolio.  Revenue and expenses from operations and changes in the valuation allowance are included in other expenses.  For fair value measurement, OREO is included in level 3 assets.
 
Premises and Equipment

Land is carried at cost.  Premises and equipment are stated at cost less accumulated depreciation, which is computed primarily using the modified accelerated cost recovery system (“MACRS”) over the estimated useful lives of the assets.  Leasehold improvements are depreciated over the shorter of the estimated useful lives of the improvements or the terms of the related leases.  Expected term includes lease options periods to the extent that the exercise of such options is reasonably assured.

Bank-Owned Life Insurance

Royal Bank has purchased life insurance policies on certain executives.  These policies are reflected on the consolidated balance sheets at their cash surrender value, or the amount that can be realized.  Income from these policies and changes in the cash surrender value are recorded in other income.

Advertising Costs

Advertising costs are expensed as incurred.  The Company’s advertising costs were $209,000 and $127,000 for 2013 and 2012, respectively.

Benefit Plans

The Company has a noncontributory nonqualified, defined benefit pension plan covering certain eligible employees.  The plan provides retirement benefits under pension trust agreements.  The benefits are based on years of service and the employee’s compensation during the highest three consecutive years during the last 10 years of employment.  Net pension expense consists of service costs and interest costs.  The Company accrues pension costs as incurred.

The Company has a capital accumulation and salary reduction plan under Section 401(k) of the Internal Revenue Code of 1986, as amended.  Under the plan, all employees are eligible to contribute up to the maximum allowed by Internal Revenue Service (“IRS”) regulation, with the Company matching 100% of any contribution between 1% and 5% subject to a $2,500 per employee annual limit.  During 2013 and 2012, no matching contribution was made as a result of a management decision to reduce costs.

Stock Compensation

FASB ASC Topic 718, “Compensation-Stock Compensation” (“ASC Topic 718”) requires that the compensation cost relating to share-based payment transactions be recognized in consolidated financial statements.  The costs are measured based on the fair value of the equity or liability instruments issued.  ASC Topic 718 covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights, and employee share purchase plans.  The effect of ASC Topic 718 is to require entities to measure the cost of employee services received in exchange for stock options based on the grant-date fair value of the award, and to recognize the cost over the period the employee is required to provide services for the award.  ASC Topic 718 permits entities to use any option-pricing model that meets the fair value objective in the Statement.  The Company recorded compensation expense relating to stock options and restricted stock of $22,000 and $42,000 during 2013 and 2012, respectively.

At December 31, 2013, the Company had a director stock-based plan, an employee stock-based plan, and a long-term incentive compensation plan, which are more fully described in “Note 17 – Stock Compensation Plans” to the Consolidated Financial Statements.

Trust Preferred Securities

Royal Bancshares Capital Trust I/II (“Trusts”) issued mandatory redeemable preferred stock to investors and loaned the proceeds to the Company.  The Trusts hold, as their sole asset, subordinated debentures issued by the Company in 2004.  The Company does not consolidate the Trusts as ASC Topic 810 precludes consideration of the call option embedded in the preferred stock when determining if the Company has the right to a majority of the Trusts expected returns.  The non-consolidation results in the investment in common stock of the Trusts to be included in other assets with a corresponding increase in outstanding debt of $774,000.  In addition, the income accrued on the Company’s common stock investments is included in other income.  Refer to “Note 10 – Borrowings and Subordinated Debentures” to the Consolidated Financial Statements for more information.

Income Taxes

The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC Topic 740, Income Taxes), which includes guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions. The Company had no material unrecognized tax benefits or accrued interest and penalties as of December 31, 2013 and 2012.  The Company’s policy is to account for interest as a component of interest expense and penalties as a component of other expense.

The Company and its subsidiaries file a consolidated federal income tax return.  Income taxes are allocated to the Company and its subsidiaries based on the contribution of their income or use of their loss in the consolidated return.  Separate state income tax returns are filed by the Company and its subsidiaries. The Company is subject to examination by taxing authorities for the years 2006, 2007 and 2009 through 2013.

Federal and state income taxes have been provided on the basis of reported income or loss.  The amounts reflected on the tax returns differ from these provisions due principally to temporary differences in the reporting of certain items for financial reporting and income tax reporting purposes. The tax effect of these temporary differences is accounted for as deferred taxes applicable to future periods. Deferred income tax expense or benefit is determined by recognizing deferred tax assets and liabilities for the estimated future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled.  The effect on deferred assets and liabilities of a change in tax rates is recognized in earnings in the period that includes the enactment date.  The realization of deferred tax assets is assessed and a valuation allowance provided for the full amount which is not more likely than not to be realized.

Treasury Stock

Shares of common stock repurchased are recorded as treasury stock at cost.

Earnings (Losses) Per Share Information

Basic per share data excludes dilution and is computed by dividing income (loss) available to common shareholders by the weighted average common shares outstanding during the period.  Diluted per share data takes into account the potential dilution that could occur if securities or other contracts to issue common stock were exercised and converted into common stock, using the treasury stock method.

The Class B shares of the Company may be converted to Class A shares at the rate of 1.15 to 1.
 
Comprehensive Income (Loss)

The Company reports comprehensive income (loss) in accordance with FASB ASC Topic 220, “Comprehensive Income” (“ASC Topic 220”), which requires the reporting of all changes in equity during the reporting period except investments from and distributions to shareholders.  Net income (loss) is a component of comprehensive income (loss) with all other components referred to in the aggregate as other comprehensive income (loss).  Comprehensive income (loss) consists of net income (loss) and other comprehensive income (loss).  Other comprehensive income (loss) includes unrealized gains and losses on available for sale investment securities, non-credit related losses on other-than-temporarily impaired investment securities, and adjustment to net periodic pension cost.

Fair Value of Financial Instruments

For information on the fair value of the Company’s financial instruments refer to “Note 20 - Fair Value of Financial Instruments” to the Consolidated Financial Statements.

Restrictions on Cash and Amounts Due From Banks

Royal Bank is required to maintain average balances on hand with the Federal Reserve Bank.  At December 31, 2013 and 2012, these reserve balances amounted to $100,000.

2. Recent Accounting Pronouncements

In December 2011, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2011-11, Balance Sheet (Topic 210): Disclosures about Offsetting Assets and Liabilities (“ASU 2011-11”).  Because of the significant differences in requirements under U.S. GAAP and IFRS, FASB and the International Accounting Standards Board (“IASB”) are issuing joint requirements that will enhance current disclosures. Entities are required to disclose both gross information and net information about both instruments and transactions eligible for offset in the statement of financial position and instruments and transactions subject to an agreement similar to a master netting arrangement. This scope would include derivatives, sale and repurchase agreements and reverse sale and repurchase agreements, and securities borrowing and securities lending arrangements. The objective of this disclosure is to facilitate comparison between those entities that prepare their financial statements on the basis of U.S. GAAP and those entities that prepare their financial statements on the basis of IFRS. ASU 2011-11 is effective for annual periods beginning on or after January 1, 2013 and interim periods within those annual periods. An entity should provide the disclosures required by these amendments retrospectively for all comparative periods presented. The adoption of ASU 2011-11 did not have a significant impact on the Company’s consolidated financial statements.

In February 2013, the FASB issued ASU No. 2013-02, Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income (“ASU 2013-02”) to improve the reporting of reclassifications out of accumulated comprehensive income. ASU 2013-02 does not change the current requirements for reporting net income or other comprehensive income in financial statements. However, ASU 2013-02 requires an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income but only if the amount reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income, an entity is required to cross-reference to other disclosures required under U.S. GAAP that provide additional detail about those amounts. ASU 2013-02 is effective for reporting periods beginning after December 15, 2012. The adoption of ASU 2013-02 did not have a significant impact on the Company’s consolidated financial statements.
 
In February 2013, the FASB issued ASU No. 2013-04, Liabilities (Topic 405): Obligations Resulting from Joint and Several Liability Arrangements for Which the Total Amount of the Obligation Is Fixed at the Reporting Date (ASU 2013-04).  ASU 2013-04 provides guidance for the recognition, measurement and disclosure of obligations resulting from joint and several liability arrangements.  ASU 2013-04 requires an entity to measure obligations resulting from joint and several liability arrangements for which the total amount of the obligation within the scope of this guidance is fixed at the reporting date, as the sum of the following:


a. The amount the reporting entity agreed to pay on the basis of its arrangement among its co-obligors
b. Any additional amount the reporting entity expects to pay on behalf of its co-obligors.


ASU 2013-04 also requires an entity to disclose the nature and amount of the obligation as well as other information about those obligations.  For public companies ASU 2013-04 is effective for reporting periods beginning after December 15, 2013. The adoption of ASU 2013-04 is not expected to have a significant impact on the Company’s consolidated financial statements.

In July 2013, the FASB issued ASU No. 2013-11, Income Taxes (Topic 740):  Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists (“ASU 2013-11”).  Currently there is diversity in practice in the presentation of unrecognized tax benefits.  The aim of ASU 2013-11 is to provide guidance on the financial statement presentation of an unrecognized tax benefit when a net operating loss carryforward, similar tax loss, or tax credit carryforward exists. An unrecognized tax benefit, or a portion of an unrecognized tax benefit, should be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except for circumstances outlined in ASU 2013-11.  For public companies ASU 2013-11 is effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. Early adoption is permitted.  The adoption of ASU 2013-04 is not expected to have a significant impact on the Company’s consolidated financial statements.

In January 2014, FASB issued ASU No. 2014-04 Receivables (Topic 310): Troubled Debt Restructurings by Creditors (Subtopic 310-40) Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure (“ASU 2014-04”).  ASC Topic 310 includes guidance that states that a creditor should reclassify a collateralized mortgage loan such that the loan should be derecognized and the collateral asset recognized when it determines that there has been in substance a repossession or foreclosure by the creditor, that is, the creditor receives physical possession of the debtor’s assets regardless of whether formal foreclosure proceedings take place. However, the terms in substance a repossession or foreclosure and physical possession are not defined in the accounting literature and there is diversity about when a creditor should derecognize the loan receivable and recognize the real estate property. That diversity has been highlighted by recent extended foreclosure timelines and processes related to residential real estate properties.

The objectives in ASU 2014-04 are intended to reduce diversity in practice by clarifying when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate property recognized. Holding foreclosed real estate property presents different operational and economic risk to creditors compared with holding an impaired loan. Therefore, consistency in the timing of loan derecognition and presentation of foreclosed real estate properties is of qualitative significance to users of the creditor’s financial statements. Additionally, the disclosure of the amount of foreclosed residential real estate properties and of the recorded investment in consumer mortgage loans secured by residential real estate properties that are in the process of foreclosure is expected to provide decision-useful information to many users of the creditor’s financial statements. The amendments in ASU 2014-04 are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in ASU 2014-04 using either a modified retrospective transition method or a prospective transition method.  Early adoption is permitted. Early adoption is permitted.  The adoption of ASU 2014-04 is not expected to have a significant impact on the Company’s consolidated financial statements.
 
XML 55 R32.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)
 12 Months Ended
Dec. 31, 2013
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]  
Schedule of Error Corrections and Prior Period Adjustments
Below are the consolidated balance sheets and changes in shareholder equity statements that show the previously issued financial statement, the error correction, and the restated balances.
 
Royal Bancshares of Pennsylvania, Inc and Subsidiaries
Restatement of the Consolidated Balance Sheet
 
At December 31, 2012
 
As
Originally
Reported
  
Adjustment
  As Restated 
 
 
(In thousands)
 
Assets
 
  
  
 
Total cash and cash equivalents
 
$
28,802
  
$
-
  
$
28,802
 
Investment securities AFS, at fair value
  
349,203
   
-
   
349,203
 
Other investment, at cost
  
2,250
   
-
   
2,250
 
FHLB stock, at cost
  
6,011
   
-
   
6,011
 
Loans and leases held for sale
  
1,572
   
-
   
1,572
 
Loans and leases, net
  
326,904
   
-
   
326,904
 
Bank owned life insurance
  
14,585
   
-
   
14,585
 
Accrued interest receivable
  
10,256
   
-
   
10,256
 
OREO, net
  
13,435
   
-
   
13,435
 
Premises and equipment, net
  
5,232
   
-
   
5,232
 
Other assets
  
15,466
   
(4,261
)
  
11,205
 
Total assets
 
$
773,716
  
$
(4,261
)
 
$
769,455
 
Liabilities
            
Total deposits
 
$
554,917
  
$
-
  
$
554,917
 
Long-term borrowings
  
108,333
   
-
   
108,333
 
Subordinated debentures
  
25,774
   
-
   
25,774
 
Accrued interest payable
  
3,760
   
-
   
3,760
 
Other liabilities
  
22,517
   
586
   
23,103
 
Total liabilities
  
715,301
   
586
   
715,887
 
 
            
Shareholders' equity
            
Preferred stock
  
29,396
   
-
   
29,396
 
Common stock
  
23,065
   
-
   
23,065
 
Additional paid in capital
  
126,287
   
-
   
126,287
 
Accumulated deficit
  
(117,080
)
  
(4,797
)
  
(121,877
)
Accumulated other comprehensive loss
  
(142
)
  
-
   
(142
)
Treasury stock
  
(6,971
)
  
-
   
(6,971
)
Noncontrolling interest
  
3,860
   
(50
)
  
3,810
 
Shareholders' equity
  
58,415
   
(4,847
)
  
53,568
 
Total liabilities and shareholders' equity
 
$
773,716
  
$
(4,261
)
 
$
769,455
 
 

Royal Bancshares of Pennsylvania, Inc and Subsidiaries
Restatement of Consolidated Statement of Changes in Shareholders' Equity

At January 1, 2012
 
As
Originally
Reported
  
Adjustment
  As Restated 
 
 
(In thousands)
 
 
 
  
  
 
Preferred stock
 
$
28,878
  
$
-
  
$
28,878
 
Class A common stock
  
22,723
   
-
   
22,723
 
Class B common stock
  
208
   
-
   
208
 
Additional paid in capital
  
126,245
   
-
   
126,245
 
Accumulated deficit
  
(100,803
)
  
(4,797
)
  
(105,600
)
Accumulated other comprehensive income
  
800
   
-
   
800
 
Treasury stock
  
(6,971
)
  
-
   
(6,971
)
Noncontrolling interest
  
4,865
   
(50
)
  
4,815
 
Total shareholders' equity
 
$
75,945
  
$
(4,847
)
 
$
71,098
 
XML 56 R83.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF QUARTERLY RESULTS (UNAUDITED) (Details) (USD $)
 3 Months Ended 12 Months Ended
Dec. 31, 2013
Property
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2013
Dec. 31, 2012
Summary of the consolidated results of operations on a quarterly basis [Abstract]                    
Interest income $ 7,069,000 $ 6,960,000 $ 6,743,000 $ 6,752,000 $ 6,991,000 $ 7,761,000 $ 8,423,000 $ 8,806,000 $ 27,524,000 $ 31,981,000
Net interest income 5,379,000 5,070,000 4,946,000 4,772,000 4,801,000 5,382,000 5,906,000 5,993,000 20,167,000 22,082,000
(Credit) provision for loan and lease losses (676,000) 218,000 (163,000) (251,000) 2,637,000 1,761,000 1,515,000 84,000 (872,000) 5,997,000
Net Interest Income after (Credit) Provision for Loan and Lease Losses 6,055,000 4,852,000 5,109,000 5,023,000 2,164,000 3,621,000 4,391,000 5,909,000 21,039,000 16,085,000
Other income 2,558,000 1,937,000 961,000 1,408,000 (148,000) 1,151,000 1,945,000 661,000 6,864,000 3,609,000
Other expenses 6,333,000 6,290,000 7,567,000 6,140,000 10,256,000 9,409,000 8,592,000 8,067,000 26,330,000 36,324,000
Income (Loss) Before Income Taxes 2,280,000 499,000 (1,497,000) 291,000 (8,240,000) (4,637,000) (2,256,000) (1,497,000) 1,573,000 (16,630,000)
Income tax expense 42,000 0 0 0         42,000 0
Net income (loss) from continuing operations 2,238,000 499,000 (1,497,000) 291,000 (8,240,000) (4,637,000) (2,256,000) (1,497,000) 1,531,000 (16,630,000)
Less net (loss) income attributable to noncontrolling interest (214,000) 157,000 (694,000) 173,000 (246,000) 175,000 (306,000) (628,000) (578,000) (1,005,000)
Net income (loss) attributable to Royal Bancshares of Pennsylavania, Inc. 2,452,000 342,000 (803,000) 118,000 (7,994,000) (4,812,000) (1,950,000) (869,000) 2,109,000 (15,625,000)
Net income (loss) available to common shareholders 1,930,000 (178,000) (1,321,000) (397,000) (8,507,000) (5,323,000) (2,458,000) (1,375,000) 34,000 (17,663,000)
Net income (loss) per common share [Abstract]                    
Basic and diluted (in dollars per share) $ 0.14 $ (0.01) $ (0.10) $ (0.03) $ (0.64) $ (0.40) $ (0.19) $ (0.10) $ 0 $ (1.33)
Quarterly Financial Information, Explanatory Disclosure [Abstract]                    
Drop in credit related expenses 3,600,000               7,400,000  
Decrease in the provision for loan and lease losses 3,300,000               6,900,000  
Decline in OTTI charge 1,500,000               2,400,000  
Gain on sale of entity owned buildings 1,300,000                  
Number of entity owned buildings sold 2                  
Increase in net interest income $ 578,000                  
XML 57 R40.htm IDEA: XBRL DOCUMENT v2.4.0.8
BORROWINGS AND SUBORDINATED DEBENTURES (Tables)
 12 Months Ended
Dec. 31, 2013
BORROWINGS AND SUBORDINATED DEBENTURES [Abstract]  
FHLB borrowings allocated by the year in which they mature with their corresponding weighted average rates
Presented below are the Company’s FHLB borrowings allocated by the year in which they mature with their corresponding weighted average rates:

 
 
As of December 31,
 
(Dollars in thousands)
 
2013
  
2012
 
 
 
Amount
  
Rate
  
Amount
  
Rate
 
Advances maturing in
 
  
  
  
 
2013
 
$
-
   
-
  
$
50,000
   
2.64
%
2014
  
10,000
   
0.24
%
        
2015
  
10,000
   
0.71
%
  
-
   
-
 
2016
  
10,000
   
1.11
%
  
-
   
-
 
2017
  
25,000
   
1.46
%
  
15,000
   
1.39
%
2018
  
10,000
   
2.01
%
        
Total FHLB borrowings
 
$
65,000
      
$
65,000
     
XML 58 R53.htm IDEA: XBRL DOCUMENT v2.4.0.8
REGULATORY MATTERS and SIGNIFICANT RISKS and UNCERTAINTIES (Details) (USD $)
 3 Months Ended 12 Months Ended 60 Months Ended
Dec. 31, 2013
Building
Branch
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2013
Restriction
Building
Branch
Dec. 31, 2012
Dec. 31, 2012
Dec. 31, 2011
Federal Deposit Insurance Corporation and Department of Banking Orders [Abstract]                        
Minimum Tier one leverage ratio required (in hundredths) 8.00%               8.00%      
Minimum total capital to risk weighted assets ratio required (in hundredths) 12.00%               12.00%      
Tier I capital (to average assets, leverage) (in hundredths) 9.13%       8.00%       9.13% 8.00% 8.00%  
Total capital (to risk-weighted assets) (in hundredths) 15.61%       15.22%       15.61% 15.22% 15.22%  
Net Income [Abstract]                        
Continued significant losses over five calendar years                     $ 118,200,000  
Net income (loss) 2,452,000 342,000 (803,000) 118,000 (7,994,000) (4,812,000) (1,950,000) (869,000) 2,109,000 (15,625,000)    
Decline in credit related expenses 3,600,000               7,400,000      
Decline in provision for loan and lease losses 3,300,000               6,900,000      
Decline in OTTI on investment securities 1,500,000               2,400,000      
Decline in salaries and benefits                 1,300,000      
Decline in professional and legal fees                 1,200,000      
Gain on sale of OREO                 2,524,000 0    
Increase in net gain on sale of OREO                 1,100,000      
Decline in net interest income                 1,900,000      
Decrease in gains on sale of loans and leases                 1,400,000      
Decline in gains on sale of investment securities                 872,000      
Deferred tax valuation allowance (37,159,000)       (39,597,000)       (37,159,000) (39,597,000) (39,597,000)  
Financing Receivable, Recorded Investment [Line Items]                        
Non performing loans, charge-offs                 3,893,000 6,271,000    
Other real estate owned (OREO) 9,617,000       13,435,000       9,617,000 13,435,000 13,435,000  
Net classified loans and foreclosed property 32,200,000       51,800,000       32,200,000 51,800,000 51,800,000  
Other than temporary impairment losses on securities recognized in earnings                 0 2,359,000    
Liquidity and Funds Management [Abstract]                        
Collateralized delivery requirement with Federal Home Loan Banks (in hundredths)         105.00%         105.00% 105.00%  
Available borrowing capacity at the federal home loan bank 190,000,000               190,000,000      
Number of collateral restrictions removed                 2      
Limited availability to borrow from the federal reserve discount window 7,200,000               7,200,000      
Borrowings 107,900,000       108,300,000       107,900,000 108,300,000 108,300,000  
Liquidity to deposits ratio (in hundredths) 72.20%               72.20%      
Liquidity to deposit ratio, policy target (in hundredths) 12.00%               12.00%      
Liquidity to total liabilities ratio (in hundredths) 55.80%               55.80%      
Liquidity to total liability ratio, policy target (in hundredths) 10.00%               10.00%      
Unfunded pension plan obligations 14,500,000               14,500,000      
Class of Stock [Line Items]                        
Series A Preferred stock, with quarterly cash dividend suspended 29,950,000       29,396,000       29,950,000 29,396,000 29,396,000 28,878,000
Trust preferred securities with suspended interest payment 25,774,000       25,774,000       25,774,000 25,774,000 25,774,000  
Interest payments in arrears on trust preferred securities                 3,100,000      
Interest payments on trust preferred securities including penalty 174,000               174,000      
Capital Adequacy [Abstract]                        
Minimum total capital to risk weighted assets ratio required (in hundredths) 12.00%               12.00%      
Minimum Tier one leverage ratio required (in hundredths) 8.00%               8.00%      
Total capital (to risk-weighted assets) (in hundredths) 15.61%       15.22%       15.61% 15.22% 15.22%  
Tier I capital (to average assets, leverage) (in hundredths) 9.13%       8.00%       9.13% 8.00% 8.00%  
Company Plans and Strategy [Abstract]                        
Reduction in workforce (in hundredths)                 22.00%      
Restructuring charges related to reduction in workforce                 87,000      
Number of branches consolidated under rationalization 2               2      
Number of buildings sold under rationalization 4               4      
Number of branches being relocated 2               2      
Time period for relocation, minimum (in months) 3 months               3 months      
Time period for relocation, maximum (in months) 8 months               8 months      
Series A Preferred Stock [Member]
                        
Class of Stock [Line Items]                        
Series A Preferred stock, with quarterly cash dividend suspended 30,400,000               30,400,000      
Preferred stock dividend in arrears                 7,700,000      
Nonperforming loans [Member]
                        
Financing Receivable, Recorded Investment [Line Items]                        
Non performing loans 10,200,000       23,000,000       10,200,000 23,000,000 23,000,000  
Non performing loans, charge-offs                 3,900,000 6,300,000    
Other real estate owned (OREO) 9,617,000       13,435,000       9,617,000 13,435,000 13,435,000  
Delinquent loans held for investment 2,600,000       4,600,000       2,600,000 4,600,000 4,600,000  
Royal Bank [Member]
                        
Federal Deposit Insurance Corporation and Department of Banking Orders [Abstract]                        
Minimum Tier one leverage ratio required (in hundredths)                       8.00%
Minimum total capital to risk weighted assets ratio required (in hundredths)                       12.00%
Tier I capital (to average assets, leverage) (in hundredths) 9.13%       8.00%       9.13% 8.00% 8.00%  
Total capital (to risk-weighted assets) (in hundredths) 15.61%       15.22%       15.61% 15.22% 15.22%  
Net Income [Abstract]                        
Net income (loss)                 $ 2,705,000 $ (13,243,000)    
Capital Adequacy [Abstract]                        
Minimum total capital to risk weighted assets ratio required (in hundredths)                       12.00%
Minimum Tier one leverage ratio required (in hundredths)                       8.00%
Total capital (to risk-weighted assets) (in hundredths) 15.61%       15.22%       15.61% 15.22% 15.22%  
Tier I capital (to average assets, leverage) (in hundredths) 9.13%       8.00%       9.13% 8.00% 8.00%  
XML 59 R72.htm IDEA: XBRL DOCUMENT v2.4.0.8
PENSION PLANS (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
PENSION PLANS [Abstract]    
Highest consecutive years of employee compensation used to compute benefit 3 years  
Years of employment used in benefit computation 10 years  
Defined Contribution Plan [Abstract]    
Employer matching contribution percent of employee contribution (in hundredths) 5.00%  
Maximum annual contribution per employee $ 2,500  
Defined Benefit Pension Plan [Member]
    
Change in Benefit Obligation [Roll Forward]    
Benefit obligation at beginning of year 16,897,000 14,942,000
Service cost 81,000 272,000
Interest cost 623,000 584,000
Benefits paid (981,000) (556,000)
Actuarial (gain) loss (2,132,000) 1,655,000
Benefit obligation at end of year 14,488,000 16,897,000
Unrecognized prior service cost 179,000 269,000
Unrecognized actuarial loss 2,750,000 5,119,000
Total unrecognized cost 2,929,000 5,388,000
Accumulated benefit obligation 14,500,000 16,600,000
Assumptions Used to Determine the Benefit Obligations [Abstract]    
Discount rate (in hundredths) 4.37% 3.25%
Rate of compensation increase (in hundredths) 4.00% 4.00%
Assumptions Used to Determine the Net Periodic Pension Cost [Abstract]    
Discount rate (in hundredths) 4.37% 4.00%
Rate of compensation increase (in hundredths) 4.00% 4.00%
Net Pension Cost [Abstract]    
Service cost 81,000 272,000
Interest cost 623,000 584,000
Amortization of prior service cost 90,000 90,000
Amortization of net actuarial loss 238,000 381,000
Net periodic benefit cost 1,032,000 1,327,000
Benefit Payments to be Made From the Non-qualified Pension Plan [Abstract]    
2014 970,000  
2015 987,000  
2016 1,015,000  
2017 1,015,000  
2018 1,015,000  
Next five years thereafter 5,610,000  
Cash surrender value of life insurance policies 3,400,000 3,300,000
Defined Contribution Plan [Member]
    
Defined Contribution Plan [Abstract]    
Employer matching contribution percent of employee contribution (in hundredths) 5.00%  
Maximum annual contribution per employee 2,500  
Employer contribution to plan $ 0 $ 0
XML 60 R2.htm IDEA: XBRL DOCUMENT v2.4.0.8
Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
ASSETS    
Cash and due from banks $ 9,154 $ 10,621
Interest bearing deposits 7,690 18,181
Total cash and cash equivalents 16,844 28,802
Investment securities available-for-sale ("AFS"), at fair value 308,727 349,203
Other investment, at cost 2,250 2,250
Federal Home Loan Bank ("FHLB") stock, at cost 4,204 6,011
Loans and leases held for sale ("LHFS"), at lower of cost or fair market value 1,446 1,572
Loans and leases held for investment ("LHFI") 366,481 344,165
Less allowance for loan and lease losses 13,671 17,261
Net loans and leases 352,810 326,904
Bank owned life insurance 15,124 14,585
Accrued interest receivable 7,054 10,256
Other real estate owned ("OREO"), net 9,617 13,435
Premises and equipment, net 4,475 5,232
Other assets 9,703 11,205
Total assets 732,254 769,455
Deposits    
Non-interest bearing 60,473 58,531
Interest bearing 468,491 496,386
Total deposits 528,964 554,917
Short-term borrowings 10,000 0
Long-term borrowings 97,881 108,333
Subordinated debentures 25,774 25,774
Accrued interest payable 965 3,760
Other liabilities 20,865 23,103
Total liabilities 684,449 715,887
Royal Bancshares of Pennsylvania, Inc. equity:    
Preferred stock, Series A perpetual, $1,000 liquidation value, 500,000 shares authorized,30,407 shares issued and outstanding at December 31, 2013 and 2012 29,950 29,396
Common stock   23,065
Additional paid in capital 127,299 126,287
Accumulated deficit (120,396) (121,877)
Accumulated other comprehensive loss (6,122) (142)
Treasury stock - at cost, shares of Class A, 453,077 and 498,488 at December 31, 2013 and 2012 (6,336) (6,971)
Total Royal Bancshares of Pennsylvania, Inc. shareholders' equity 47,534 49,758
Noncontrolling interest 271 3,810
Total shareholders' equity 47,805 53,568
Total liabilities and shareholders' equity 732,254 769,455
Common Class A [Member]
    
Royal Bancshares of Pennsylvania, Inc. equity:    
Common stock 22,940 22,863
Total shareholders' equity 22,940 22,863
Common Class B [Member]
    
Royal Bancshares of Pennsylvania, Inc. equity:    
Common stock 199 202
Total shareholders' equity $ 199 $ 202
XML 61 R45.htm IDEA: XBRL DOCUMENT v2.4.0.8
STOCK COMPENSATION PLANS (Tables)
 12 Months Ended
Dec. 31, 2013
Share-based Payment Award [Line Items]  
Detail for Non-vested Shares Under the Plans
The following table provides detail for non-vested shares under the Long-Term Incentive Plan as of December 31, 2013:

 
 
  
Weighted
 
 
 
  
Average
 
 
 
Number
  
Exercise
 
 
 
of shares
  
Price
 
Non-vested options December 31, 2012
  
10,520
  
$
4.50
 
Granted
  
15,000
   
1.36
 
Forfeited
  
(1,590
)
  
4.50
 
Vested
  
(8,930
)
  
4.50
 
Non-vested options December 31, 2013
  
15,000
  
$
1.36
 
Outside Director's Stock Option Plan [Member]
  
Share-based Payment Award [Line Items]  
Summary of the Status of the Plan
A summary of the Directors’ Plan activity is presented below:

 
 
2013
  
2012
 
 
 
  
Weighted
  
Weighted
  (1) 
  
Weighted
 
 
 
  
Average
  
Average
  
Average
  
  
Average
 
 
 
  
Exercise
  
Remaining
  
Intrinsic
  
  
Exercise
 
 
 
Options
  
Price
  
Term (yrs)
  
Value
  
Options
  
Price
 
Options outstanding at beginning of year
  
58,306
  
$
21.15
   
1.2
       
68,620
  
$
20.66
 
Exercised
  
-
   
-
           
-
   
-
 
Forfeited
  
(24,286
)
  
21.24
           
-
   
-
 
Expired
  
(8,350
)
  
18.27
           
(10,314
)
  
17.91
 
Options outstanding at the end of the year
  
25,670
  
$
22.00
   
1.5
  
$
-
   
58,306
  
$
21.15
 
Options exercisable at the end of the year
  
25,670
  
$
22.00
   
1.5
  
$
-
   
58,306
  
$
21.15
 

(1) The aggregate intrinsic value of a stock option in the table above represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had they exercised their options on December 31, 2013.  The intrinsic value varies based on the changes in the market value in the Company’s stock.  Because the exercise price exceeded the market value of the options, the average intrinsic value was $0 at December 31, 2013.
Information Pertaining to Options Outstanding
Information pertaining to options outstanding at December 31, 2013 is as follows:

  
Options outstanding and exercisable
 
  
  
Weighted
  
Weighted
 
  
  
Average
  
Average
 
Range of
  
Number
  
Exercise
  
Remaining
 
exercise prices
  
Outstanding
  
Price
  
Term (yrs)
 
$21.00 - $23.00
   
25,670
  
$
22.00
   
1.5
 
     
25,670
  
$
22.00
   
1.5
 
 
Employee Stock Option Plan And Appreciation Right Plan [Member]
  
Share-based Payment Award [Line Items]  
Summary of the Status of the Plan
A summary of the Plan activity is presented below:
 
 
 
2013
  
2012
 
 
 
  
Weighted
  
Weighted
  (1) 
  
Weighted
 
 
 
  
Average
  
Average
  
Average
  
  
Average
 
 
 
  
Exercise
  
Remaining
  
Intrinsic
  
  
Exercise
 
 
 
Options
  
Price
  
Term (yrs)
  
Value
  
Options
  
Price
 
Options outstanding at beginning of year
  
217,561
  
$
21.50
   
1.3
       
335,919
  
$
21.01
 
Exercised
  
-
   
-
           
-
   
-
 
Forfeited
  
(119,137
)
  
21.53
           
(74,569
)
  
21.42
 
Expired
  
(15,644
)
  
18.27
           
(43,789
)
  
17.91
 
Options outstanding at the end of the year
  
82,780
  
$
22.06
   
1.1
  
$
-
   
217,561
  
$
21.50
 
Options exercisable at the end of the year
  
82,780
  
$
22.06
   
1.1
  
$
-
   
217,561
  
$
21.50
 

(1) The aggregate intrinsic value of a stock option in the table above represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had they exercised their options on December 31, 2013.  The intrinsic value varies based on the changes in the market value in the Company’s stock.  Because the exercise price exceeded the market value of the options, the average intrinsic value was $0 at December 31, 2013.
Information Pertaining to Options Outstanding
Information pertaining to options outstanding at December 31, 2013 is as follows:

  
Options outstanding and exercisable
 
  
  
Weighted
  
Weighted
 
  
  
Average
  
Average
 
Range of
  
Number
  
Exercise
  
Remaining
 
exercise prices
  
Outstanding
  
Price
  
Term (yrs)
 
$21.00 - $23.00
   
82,780
  
$
22.06
   
1.1
 
     
82,780
  
$
22.06
   
1.1
 
 
Long- Term Incentive Plan [Member]
  
Share-based Payment Award [Line Items]  
Summary of the Status of the Plan
A summary of the status of the unrestricted portion of the Plan is presented below:

 
 
2013
  
2012
 
 
 
  
Weighted
  
Weighted
  (1)
 
 
  
Weighted
 
 
 
  
Average
  
Average
  
Average
  
  
Average
 
 
 
  
Exercise
  
Remaining
  
Intrinsic
  
  
Exercise
 
 
 
Options
  
Price
  
Term (yrs)
  
Value
  
Options
  
Price
 
Options outstanding at beginning of year
  
86,226
  
$
9.22
   
5.4
       
116,440
  
$
9.73
 
Granted
  
15,000
   
1.36
           
-
   
-
 
Exercised
  
-
   
-
           
-
   
-
 
Forfeited
  
(11,840
)
  
8.83
           
(30,214
)
  
11.19
 
Expired
  
-
   
-
           
-
   
-
 
Options outstanding at the end of the year
  
89,386
  
$
7.95
   
4.9
  
$
-
   
86,226
  
$
9.22
 
Options exercisable at the end of the year
  
74,386
  
$
9.28
   
4.0
  
$
-
   
75,706
  
$
9.88
 
                        
Weighted-average fair value of options granted during the year
     
$
0.98
      
$
-
      
$
-
 

(1) The aggregate intrinsic value of a stock option in the table above represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had they exercised their options on December 31, 2013.  The intrinsic value varies based on the changes in the market value in the Company’s stock.  Because the exercise price exceeded the market value of the options, the average intrinsic value was $0 at December 31, 2013.
 
Information Pertaining to Options Outstanding
Information pertaining to options outstanding at December 31, 2013 is as follows:

  
Options issued and outstanding
  
Options exercisable
 
  
  
Weighted
  
Weighted
  
  
Weighted
 
  
  
Average
  
Average
  
  
Average
 
Range of
  
Number
  
Exercise
  
Remaining
  
Number
  
Exercise
 
exercise prices
  
Outstanding
  
Price
  
Term (yrs)
  
Outstanding
  
Price
 
$
1.36
   
15,000
  
$
1.36
   
9.3
   
-
  
$
-
 
$
4.50
   
51,550
   
4.50
   
4.3
   
51,550
   
4.50
 
$
20.08
   
22,836
   
20.08
   
3.3
   
22,836
   
20.08
 
     
89,386
  
$
7.95
   
4.9
   
74,386
  
$
9.28
 
 
XML 62 R6.htm IDEA: XBRL DOCUMENT v2.4.0.8
Consolidated Statement of Changes in Shareholders' Equity (USD $)
In Thousands, unless otherwise specified
Preferred Stock Series A [Member]
Common Class A [Member]
Common Class B [Member]
Additional Paid In Capital [Member]
Accumulated Deficit [Member]
Accumulated Other Comprehensive Income (Loss) [Member]
Treasury Stock [Member]
Noncontrolling Interest [Member]
Total
Balance at Dec. 31, 2011 $ 28,878 $ 22,723 $ 208 $ 126,245 $ (105,600) $ 800 $ (6,971) $ 4,815 $ 71,098
Balance (in shares) at Dec. 31, 2011   11,362 2,081            
Comprehensive loss                  
Net (loss) income         (15,625)     (1,005) (16,630)
Other comprehensive loss, net of reclassifications and taxes           (942)     (942)
Common stock conversion from Class B to Class A   140 (6)   (134)       0
Common stock conversion from Class B to Class A (in shares)   70 (61)            
Accretion of discount on preferred stock 518       (518)       0
Stock option expense       42         42
Balance at Dec. 31, 2012 29,396 22,863 202 126,287 (121,877) (142) (6,971) 3,810 53,568
Balance (in shares) at Dec. 31, 2012   11,432 2,020            
Comprehensive loss                  
Net (loss) income         2,109     (578) 1,531
Other comprehensive loss, net of reclassifications and taxes           (5,980)     (5,980)
Purchase of subsidiary shares from noncontrolling interest       1,559       (2,409) (850)
Distributions to non controlling interests               (552) (552)
Common stock conversion from Class B to Class A   77 (3)   (74)       0
Common stock conversion from Class B to Class A (in shares)   38 (33)            
Accretion of discount on preferred stock 554       (554)       0
Treasury shares issued for compensation       (569)     635   66
Stock option expense       22         22
Balance at Dec. 31, 2013 $ 29,950 $ 22,940 $ 199 $ 127,299 $ (120,396) $ (6,122) $ (6,336) $ 271 $ 47,805
Balance (in shares) at Dec. 31, 2013   11,470 1,987            
XML 63 R59.htm IDEA: XBRL DOCUMENT v2.4.0.8
ALLOWANCE FOR LOAN AND LEASE LOSSES - Changes in Allowance for Loan and Lease Losses (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Allowance for Loan and Leases Losses [Roll Forward]    
Beginning balance $ 17,261 $ 16,380
Charge-offs (3,893) (6,271)
Recoveries 1,175 1,155
(Credit) provision (872) 5,997
Ending balance 13,671 17,261
Ending balance: related to loans individually evaluated for impairment 886 2,026
Ending balance: related to loans collectively evaluated for impairment 12,785 15,235
LHFI [Abstract]    
Ending balance 366,481 344,682
Ending balance: individually evaluated for impairment 18,506 28,828
Ending balance: collectively evaluated for impairment 347,975 315,854
Commercial Real Estate [Member]
    
Allowance for Loan and Leases Losses [Roll Forward]    
Beginning balance 8,750 7,744
Charge-offs (1,684) (1,313)
Recoveries 600 3
(Credit) provision (2,168) 2,316
Ending balance 5,498 8,750
Ending balance: related to loans individually evaluated for impairment 331 835
Ending balance: related to loans collectively evaluated for impairment 5,167 7,915
LHFI [Abstract]    
Ending balance 148,293 167,115
Ending balance: individually evaluated for impairment 5,325 10,958
Ending balance: collectively evaluated for impairment 142,968 156,157
Construction and Land Development [Member]
    
Allowance for Loan and Leases Losses [Roll Forward]    
Beginning balance 2,987 2,523
Charge-offs (820) (2,452)
Recoveries 297 816
(Credit) provision (148) 2,100
Ending balance 2,316 2,987
Ending balance: related to loans individually evaluated for impairment 0 820
Ending balance: related to loans collectively evaluated for impairment 2,316 2,167
LHFI [Abstract]    
Ending balance 45,261 37,215
Ending balance: individually evaluated for impairment 3,907 5,943
Ending balance: collectively evaluated for impairment 41,354 31,272
Commercial and Industrial [Member]
    
Allowance for Loan and Leases Losses [Roll Forward]    
Beginning balance 1,924 2,331
Charge-offs (383) (586)
Recoveries 17 67
(Credit) provision 1,448 112
Ending balance 3,006 1,924
Ending balance: related to loans individually evaluated for impairment 452 255
Ending balance: related to loans collectively evaluated for impairment 2,554 1,669
LHFI [Abstract]    
Ending balance 79,589 40,560
Ending balance: individually evaluated for impairment 8,049 10,251
Ending balance: collectively evaluated for impairment 71,540 30,309
Multi Family [Member]
    
Allowance for Loan and Leases Losses [Roll Forward]    
Beginning balance 654 531
Charge-offs 0 (542)
Recoveries 0 0
(Credit) provision (252) 665
Ending balance 402 654
Ending balance: related to loans individually evaluated for impairment 0 0
Ending balance: related to loans collectively evaluated for impairment 402 654
LHFI [Abstract]    
Ending balance 11,737 11,756
Ending balance: individually evaluated for impairment 0 0
Ending balance: collectively evaluated for impairment 11,737 11,756
Residential Portfolio Segment [Member]
    
Allowance for Loan and Leases Losses [Roll Forward]    
Beginning balance 1,098 1,188
Charge-offs (46) (111)
Recoveries 158 208
(Credit) provision (737) (187)
Ending balance 473 1,098
Ending balance: related to loans individually evaluated for impairment 19 14
Ending balance: related to loans collectively evaluated for impairment 454 1,084
LHFI [Abstract]    
Ending balance 25,535 24,981
Ending balance: individually evaluated for impairment 632 994
Ending balance: collectively evaluated for impairment 24,903 23,987
Consumer Portfolio Segment [Member]
    
Allowance for Loan and Leases Losses [Roll Forward]    
Beginning balance 29 20
Charge-offs 0 0
Recoveries 0 0
(Credit) provision (14) 9
Ending balance 15 29
Ending balance: related to loans individually evaluated for impairment 0 0
Ending balance: related to loans collectively evaluated for impairment 15 29
LHFI [Abstract]    
Ending balance 826 1,139
Ending balance: individually evaluated for impairment 0 0
Ending balance: collectively evaluated for impairment 826 1,139
Leases [Member]
    
Allowance for Loan and Leases Losses [Roll Forward]    
Beginning balance 1,108 1,311
Charge-offs (382) (465)
Recoveries 29 32
(Credit) provision 468 230
Ending balance 1,223 1,108
Ending balance: related to loans individually evaluated for impairment 60 55
Ending balance: related to loans collectively evaluated for impairment 1,163 1,053
LHFI [Abstract]    
Ending balance 42,524 37,347
Ending balance: individually evaluated for impairment 139 81
Ending balance: collectively evaluated for impairment 42,385 37,266
Tax Certificates [Member]
    
Allowance for Loan and Leases Losses [Roll Forward]    
Beginning balance 472 425
Charge-offs (578) (802)
Recoveries 74 29
(Credit) provision 587 820
Ending balance 555 472
Ending balance: related to loans individually evaluated for impairment 24 47
Ending balance: related to loans collectively evaluated for impairment 531 425
LHFI [Abstract]    
Ending balance 12,716 24,569
Ending balance: individually evaluated for impairment 454 601
Ending balance: collectively evaluated for impairment 12,262 23,968
Unallocated [Member]
    
Allowance for Loan and Leases Losses [Roll Forward]    
Beginning balance 239 307
Charge-offs 0 0
Recoveries 0 0
(Credit) provision (56) (68)
Ending balance 183 239
Ending balance: related to loans individually evaluated for impairment 0 0
Ending balance: related to loans collectively evaluated for impairment 183 239
LHFI [Abstract]    
Ending balance 0 0
Ending balance: individually evaluated for impairment 0 0
Ending balance: collectively evaluated for impairment $ 0 $ 0
XML 64 R35.htm IDEA: XBRL DOCUMENT v2.4.0.8
ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)
 12 Months Ended
Dec. 31, 2013
Allowance for Loan and Lease Losses [Abstract]  
Detail of the allowance and loan portfolio disaggregated by loan portfolio segment
The following table presents the detail of the allowance and the loan portfolio disaggregated by loan portfolio segment as of December 31, 2013 and 2012.

Allowance for Loan and Leases Losses and Loans Held for Investment
For the year ended December 31, 2013


(In thousands)
 
Commercial
real estate
  
Construction
and land development
  
Commercial & industrial
  
Multi-family
  
Residential
real estate
  
Leases
  
Tax
certificates
  
Consumer
  
Unallocated
  
Total
 
Allowance for Loan and Leases Losses
  
  
  
  
  
  
  
  
  
 
Beginning balance
 
$
8,750
  
$
2,987
  
$
1,924
  
$
654
  
$
1,098
  
$
1,108
  
$
472
  
$
29
  
$
239
  
$
17,261
 
Charge-offs
  
(1,684
)
  
(820
)
  
(383
)
  
-
   
(46
)
  
(382
)
  
(578
)
  
-
   
-
   
(3,893
)
Recoveries
  
600
   
297
   
17
   
-
   
158
   
29
   
74
   
-
   
-
   
1,175
 
(Credit) provision
  
(2,168
)
  
(148
)
  
1,448
   
(252
)
  
(737
)
  
468
   
587
   
(14
)
  
(56
)
  
(872
)
Ending balance
 
$
5,498
  
$
2,316
  
$
3,006
  
$
402
  
$
473
  
$
1,223
  
$
555
  
$
15
  
$
183
  
$
13,671
 
 
                                        
Ending balance: related to loans individually evaluated for impairment
 
$
331
  
$
-
  
$
452
  
$
-
  
$
19
  
$
60
  
$
24
  
$
-
  
$
-
  
$
886
 
 
                                        
Ending balance: related to loans collectively evaluated for impairment
 
$
5,167
  
$
2,316
  
$
2,554
  
$
402
  
$
454
  
$
1,163
  
$
531
  
$
15
  
$
183
  
$
12,785
 
 
                                        
LHFI
                                        
Ending balance
 
$
148,293
  
$
45,261
  
$
79,589
  
$
11,737
  
$
25,535
  
$
42,524
  
$
12,716
  
$
826
  
$
-
  
$
366,481
 
 
                                        
Ending balance: individually evaluated for impairment
 
$
5,325
  
$
3,907
  
$
8,049
  
$
-
  
$
632
  
$
139
  
$
454
  
$
-
  
$
-
  
$
18,506
 
 
                                        
Ending balance: collectively evaluated for impairment
 
$
142,968
  
$
41,354
  
$
71,540
  
$
11,737
  
$
24,903
  
$
42,385
  
$
12,262
  
$
826
  
$
-
  
$
347,975
 

Allowance for Loan and Leases Losses and Loans Held for Investment
For the year ended December 31, 2012

(In thousands)
 
Commercial real estate
  
Construction and land development
  
Commercial & industrial
  
Multi-family
  
Residential
real estate
  
Leases
  
Tax
certificates
  
Consumer
  
Unallocated
  
Total
 
Allowance for Loan and Leases Losses
  
  
  
  
  
  
  
  
  
 
Beginning balance
 
$
7,744
  
$
2,523
  
$
2,331
  
$
531
  
$
1,188
  
$
1,311
  
$
425
  
$
20
  
$
307
  
$
16,380
 
Charge-offs
  
(1,313
)
  
(2,452
)
  
(586
)
  
(542
)
  
(111
)
  
(465
)
  
(802
)
  
-
   
-
   
(6,271
)
Recoveries
  
3
   
816
   
67
   
-
   
208
   
32
   
29
   
-
   
-
   
1,155
 
Provision (credit)
  
2,316
   
2,100
   
112
   
665
   
(187
)
  
230
   
820
   
9
   
(68
)
  
5,997
 
Ending balance
 
$
8,750
  
$
2,987
  
$
1,924
  
$
654
  
$
1,098
  
$
1,108
  
$
472
  
$
29
  
$
239
  
$
17,261
 
 
                                        
Ending balance: related to loans individually evaluated for impairment
 
$
835
  
$
820
  
$
255
  
$
-
  
$
14
  
$
55
  
$
47
  
$
-
  
$
-
  
$
2,026
 
 
                                        
Ending balance: related to loans collectively evaluated for impairment
 
$
7,915
  
$
2,167
  
$
1,669
  
$
654
  
$
1,084
  
$
1,053
  
$
425
  
$
29
  
$
239
  
$
15,235
 
 
                                        
LHFI
                                        
Ending balance
 
$
167,115
  
$
37,215
  
$
40,560
  
$
11,756
  
$
24,981
  
$
37,347
  
$
24,569
  
$
1,139
  
$
-
  
$
344,682
 
 
                                        
Ending balance: individually evaluated for impairment
 
$
10,958
  
$
5,943
  
$
10,251
  
$
-
  
$
994
  
$
81
  
$
601
  
$
-
  
$
-
  
$
28,828
 
 
                                        
Ending balance: collectively evaluated for impairment
 
$
156,157
  
$
31,272
  
$
30,309
  
$
11,756
  
$
23,987
  
$
37,266
  
$
23,968
  
$
1,139
  
$
-
  
$
315,854
 
 
Financing receivable evaluated for impairment by portfolio segment
The following tables detail the impaired LHFI by loan segment.

 
 
As of December 31, 2013
 
(In thousands)
 
Unpaid
principal
balance
  
Recorded
investment
  
Related
allowance
  
Average
recorded investment
  
Interest
income
recognized
 
With no related allowance recorded:
 
  
  
  
  
 
Commercial real estate
 
$
4,429
  
$
4,158
  
$
-
  
$
7,956
  
$
73
 
Construction and land development
  
9,850
   
3,907
   
-
   
3,933
   
209
 
Commercial and industrial
  
6,693
   
6,491
   
-
   
5,960
   
250
 
Residential real estate
  
-
   
-
   
-
   
84
   
27
 
Tax certificates
  
179
   
115
   
-
   
167
   
-
 
Total:
 
$
21,151
  
$
14,671
  
$
-
  
$
18,100
  
$
559
 
With an allowance recorded:
                    
Commercial real estate
 
$
1,435
  
$
1,435
  
$
331
  
$
1,879
  
$
-
 
Construction and land development
  
-
   
-
   
-
   
381
   
-
 
Commercial and industrial
  
2,592
   
1,290
   
452
   
2,456
   
-
 
Residential real estate
  
827
   
631
   
19
   
492
   
-
 
Leases
  
139
   
139
   
60
   
106
   
-
 
Tax certificates
  
4,322
   
340
   
24
   
341
   
-
 
Total:
 
$
9,315
  
$
3,835
  
$
886
  
$
5,655
  
$
-
 
 
 
 
As of December 31, 2012
 
(In thousands)
 
Unpaid
principal
balance
  
Recorded
investment
  
Related
allowance
  
Average
recorded
investment
  
Interest
income
recognized
 
With no related allowance recorded:
 
  
  
  
  
 
Commercial real estate
 
$
10,417
  
$
8,623
  
$
-
  
$
11,163
  
$
78
 
Construction and land development
  
6,250
   
3,464
   
-
   
10,059
   
187
 
Commercial and industrial
  
7,790
   
6,820
   
-
   
5,545
   
73
 
Multi-family
  
-
   
-
   
-
   
780
   
-
 
Residential real estate
  
572
   
516
   
-
   
490
   
21
 
Tax certificates
  
-
   
-
   
-
   
583
   
-
 
Total:
 
$
25,029
  
$
19,423
  
$
-
  
$
28,620
  
$
359
 
With an allowance recorded:
                    
Commercial real estate
 
$
4,136
  
$
2,335
  
$
835
  
$
1,526
  
$
-
 
Construction and land development
  
6,180
   
2,479
   
820
   
923
   
-
 
Commercial and industrial
  
9,585
   
3,431
   
255
   
682
   
-
 
Multi-family
  
-
   
-
   
-
   
383
   
-
 
Residential real estate
  
685
   
478
   
14
   
714
   
7
 
Leases
  
81
   
81
   
55
   
86
   
-
 
Tax certificates
  
4,408
   
601
   
47
   
288
   
-
 
Total:
 
$
25,075
  
$
9,405
  
$
2,026
  
$
4,602
  
$
7
 
 
XML 65 R65.htm IDEA: XBRL DOCUMENT v2.4.0.8
BORROWINGS AND SUBORDINATED DEBENTURES (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Restriction
Dec. 31, 2012
Sep. 30, 2013
Advances from Federal Home Loan Banks [Abstract]      
Line of credit with federal home loan bank, amount $ 190,000,000   $ 150,000,000
Number of collateral restrictions removed 2    
Federal Home Loan Bank, advances, general debt obligations, disclosures, collateral pledged 70,400,000    
Weighted average interest rate (in hundredths) 1.19% 2.35%  
Percentage of over collateralized delivery requirement with federal home loan bank (in hundredths)   105.00%  
Federal Home Loan Bank, advances, activity for year, average balance of agreements outstanding 64,400,000 80,100,000  
Amount [Abstract]      
Advances maturing in 2013/2014 10,000,000 50,000,000  
Advances maturing in 2015 10,000,000    
Advances maturing in 2015/2016 10,000,000 0  
Advances maturing in 2016/2017 25,000,000 0  
Advances maturing in 2017/2018 10,000,000 15,000,000  
Total FHLB borrowings 65,000,000 65,000,000  
Rate [Abstract]      
Advances maturing in 2013/2014 (in hundredths) 0.24% 2.64%  
Advances maturing in 2015 (in hundredths) 0.71%    
Advances maturing in 2015/2016 (in hundredths) 1.11% 0.00%  
Advances maturing in 2016/2017 (in hundredths) 1.46% 0.00%  
Advances maturing in 2017/2018 (in hundredths) 2.01% 1.39%  
Other borrowings [Abstract]      
Market value of investment securities pledged as collateral 70,400,000    
PNC Bank [Member]
      
Other borrowings [Abstract]      
Notes payable with PNC Bank 2,900,000 3,300,000  
Description of variable rate basis on notes payable one month LIBOR    
Basis spread on variable rate on notes payable (in hundredths) 0.15%    
Interest rate on notes payable (in hundredths) 0.32% 0.36%  
Other borrowings from PNC Bank outstanding 40,000,000 40,000,000  
Weighted average interest rate on other borrowings from PNC Bank (in hundredths) 3.65% 3.65%  
Market value of investment securities pledged as collateral $ 49,700,000    
Notes payable [Member] | PNC Bank [Member]
      
Other borrowings [Abstract]      
Maturity date of borrowings from PNC Bank Aug. 25, 2016    
Other Borrowings [Member] | PNC Bank [Member]
      
Other borrowings [Abstract]      
Maturity date of borrowings from PNC Bank Jan. 07, 2018    
XML 66 R22.htm IDEA: XBRL DOCUMENT v2.4.0.8
REGULATORY CAPITAL REQUIREMENTS
 12 Months Ended
Dec. 31, 2013
REGULATORY CAPITAL REQUIREMENTS [Abstract]  
REGULATORY CAPITAL REQUIREMENTS
NOTE 15 – REGULATORY CAPITAL REQUIREMENTS

The Company and Royal Bank are subject to various regulatory capital requirements administered by the federal banking agencies.  Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements.  Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The Company’s and Royal Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Under the informal agreement referenced in “Note 2 – Regulatory Matters and Significant Risks And Uncertainties” to the Consolidated Financial Statements, Royal Bank is required to maintain a minimum Tier 1 leverage ratio of 8% and a Total risk-based capital ratio of 12%.  As of December 31, 2013, the Company and Royal Bank met all capital adequacy requirements to which it is subject and Royal Bank met the criteria for a well-capitalized institution.

In connection with a prior bank regulatory examination, the FDIC concluded, based upon its interpretation of the Call Report instructions and under RAP, that income from Royal Bank’s tax lien business should be recognized on a cash basis, not an accrual basis.  Royal Bank’s current accrual method is in accordance with U.S. GAAP.  Royal Bank disagrees with the FDIC’s conclusion and filed the Call Report for December 31, 2013 and the previous 13 quarters in accordance with U.S. GAAP.  However, a change in the manner of revenue recognition for the tax lien business for regulatory accounting purposes affects Royal Bank’s and the Company’s capital ratios as shown below.  The resolution of this matter will be decided by additional joint regulatory agency guidance which includes the Federal Reserve Bank, the FDIC, and the OCC.
 
The table below sets forth Royal Bank’s capital ratios under RAP based on the FDIC’s interpretation of the Call Report instructions:
 
 
 
  
  
  
  
To be well capitalized
 
 
 
  
  
For capital
  
capitalized under prompt
 
 
 
Actual
  
adequacy purposes
  
corrective action provision
 
(Dollars in thousands)
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
Total capital (to risk-weighted assets)
 
  
  
  
  
  
 
At December 31, 2013
 
$
71,417
   
15.61
%
 
$
36,590
   
8.00
%
 
$
45,737
   
10.00
%
At December 31, 2012
 
$
67,338
   
15.22
%
 
$
35,386
   
8.00
%
 
$
44,233
   
10.00
%
Tier I capital (to risk-weighted assets)
                        
At December 31, 2013
 
$
65,602
   
14.34
%
 
$
18,295
   
4.00
%
 
$
27,442
   
6.00
%
At December 31, 2012
 
$
61,664
   
13.94
%
 
$
17,693
   
4.00
%
 
$
26,540
   
6.00
%
Tier I capital (to average assets, leverage)
                        
At December 31, 2013
 
$
65,602
   
9.13
%
 
$
28,739
   
4.00
%
 
$
35,924
   
5.00
%
At December 31, 2012
 
$
61,664
   
8.00
%
 
$
30,842
   
4.00
%
 
$
38,552
   
5.00
%

The tables below reflect the adjustments to the net loss as well as the capital ratios for Royal Bank under U.S. GAAP:
 
 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
RAP net loss
 
$
(139
)
 
$
(17,974
)
Tax lien adjustment, net of noncontrolling interest
  
2,844
   
4,731
 
U.S. GAAP net income (loss)
 
$
2,705
  
$
(13,243
)

 
 
At December 31, 2013
  
At December 31, 2012
 
 
 
As reported
  
As adjusted
  
As reported
  
As adjusted
 
 
 
under RAP
  
for U.S. GAAP
  
under RAP
  
for U.S. GAAP
 
Total capital (to risk-weighted assets)
  
15.61
%
  
16.49
%
  
15.22
%
  
16.73
%
Tier I capital (to risk-weighted assets)
  
14.34
%
  
15.22
%
  
13.94
%
  
15.44
%
Tier I capital (to average assets, leverage)
  
9.13
%
  
9.73
%
  
8.00
%
  
8.93
%
 
The tables below reflect the Company’s capital ratios:

 
 
  
  
  
  
To be well capitalized
 
 
 
  
  
For capital
  
capitalized under prompt
 
 
 
Actual
  
adequacy purposes
  
corrective action provision
 
(Dollars in thousands)
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
Total capital (to risk-weighted assets)
 
  
  
  
  
  
 
At December 31, 2013
 
$
84,384
   
18.09
%
 
$
37,315
   
8.00
%
  
N/A
  
N/A
 
At December 31, 2012
 
$
84,073
   
18.46
%
 
$
36,429
   
8.00
%
  
N/A
 
  
N/A
 
Tier I capital (to risk-weighted assets)
                        
At December 31, 2013
 
$
71,432
   
15.31
%
 
$
18,658
   
4.00
%
  
N/A
 
  
N/A
 
At December 31, 2012
 
$
71,138
   
15.62
%
 
$
18,214
   
4.00
%
  
N/A
 
  
N/A
 
Tier I Capital (to average assets, leverage)
                        
At December 31, 2013
 
$
71,432
   
9.79
%
 
$
29,178
   
4.00
%
  
N/A
 
  
N/A
 
At December 31, 2012
 
$
71,138
   
9.05
%
 
$
31,443
   
4.00
%
  
N/A
 
  
N/A
 

The Company has filed the Consolidated Financial Statements for Bank Holding Companies-FR Y-9C (“FR Y-9C”) as of December 31, 2013 consistent with U.S. GAAP and the FR Y-9C instructions.  In the event a similar adjustment for RAP purposes would be required by the Federal Reserve on the holding company level, the adjusted ratios are shown in the tables below.

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
U.S. GAAP net income (loss)
 
$
2,109
  
$
(15,625
)
Tax lien adjustment, net of noncontrolling interest
  
(2,844
)
  
(4,731
)
RAP net loss
 
$
(735
)
 
$
(20,356
)

 
 
At December 31, 2013
  
At December 31, 2012
 
 
 
As reported
  
As adjusted
  
As reported
  
As adjusted
 
 
 
under U.S. GAAP
  
for RAP
  
under U.S. GAAP
  
for RAP
 
Total capital (to risk-weighted assets)
  
18.09
%
  
17.24
%
  
18.46
%
  
17.01
%
Tier I capital (to risk-weighted assets)
  
15.31
%
  
14.10
%
  
15.62
%
  
13.55
%
Tier I capital (to average assets, leverage)
  
9.79
%
  
8.98
%
  
9.05
%
  
7.79
%
 
XML 67 R36.htm IDEA: XBRL DOCUMENT v2.4.0.8
OTHER REAL ESTATE OWNED (Tables)
 12 Months Ended
Dec. 31, 2013
OTHER REAL ESTATE OWNED [Abstract]  
Details of changes in other real estate owned
Set forth below is a table which details the changes in OREO from December 31, 2012 to December 31, 2013.

 
 
For the year ended December 31, 2013
 
(In thousands)
 
Loans
  
Tax Liens
  
Total
 
Beginning balance
 
$
11,365
  
$
2,070
  
$
13,435
 
Net proceeds from sales
  
(8,869
)
  
(3,910
)
  
(12,779
)
Net gain on sales
  
228
   
1,199
   
1,427
 
Assets acquired on non-accrual loans
  
100
   
8,951
   
9,051
 
Impairment charge
  
(1,099
)
  
(418
)
  
(1,517
)
Ending balance
 
$
1,725
  
$
7,892
  
$
9,617
 
XML 68 R24.htm IDEA: XBRL DOCUMENT v2.4.0.8
STOCK COMPENSATION PLANS
 12 Months Ended
Dec. 31, 2013
STOCK COMPENSATION PLANS [Abstract]  
STOCK COMPENSATION PLANS
NOTE 17 - STOCK COMPENSATION PLANS

The Company recognized compensation expense for stock options in the amounts of $22,000 and $42,000 for December 31, 2013 and 2012, respectively.   The Company granted 15,000 options to purchase common stock in 2013.  The Company did not grant any options to purchase common stock in 2012.

1.  Outside Directors’ Stock Option Plan

The Company had a non-qualified outside Directors’ Stock Option Plan (the “Directors’ Plan”) which expired in 2006.  At December 31, 2013 all outstanding shares are fully vested (exercisable).  The ability to grant new options under this plan has expired.

A summary of the Directors’ Plan activity is presented below:

 
 
2013
  
2012
 
 
 
  
Weighted
  
Weighted
  (1) 
  
Weighted
 
 
 
  
Average
  
Average
  
Average
  
  
Average
 
 
 
  
Exercise
  
Remaining
  
Intrinsic
  
  
Exercise
 
 
 
Options
  
Price
  
Term (yrs)
  
Value
  
Options
  
Price
 
Options outstanding at beginning of year
  
58,306
  
$
21.15
   
1.2
       
68,620
  
$
20.66
 
Exercised
  
-
   
-
           
-
   
-
 
Forfeited
  
(24,286
)
  
21.24
           
-
   
-
 
Expired
  
(8,350
)
  
18.27
           
(10,314
)
  
17.91
 
Options outstanding at the end of the year
  
25,670
  
$
22.00
   
1.5
  
$
-
   
58,306
  
$
21.15
 
Options exercisable at the end of the year
  
25,670
  
$
22.00
   
1.5
  
$
-
   
58,306
  
$
21.15
 

(1) The aggregate intrinsic value of a stock option in the table above represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had they exercised their options on December 31, 2013.  The intrinsic value varies based on the changes in the market value in the Company’s stock.  Because the exercise price exceeded the market value of the options, the average intrinsic value was $0 at December 31, 2013.

Information pertaining to options outstanding at December 31, 2013 is as follows:

  
Options outstanding and exercisable
 
  
  
Weighted
  
Weighted
 
  
  
Average
  
Average
 
Range of
  
Number
  
Exercise
  
Remaining
 
exercise prices
  
Outstanding
  
Price
  
Term (yrs)
 
$21.00 - $23.00
   
25,670
  
$
22.00
   
1.5
 
     
25,670
  
$
22.00
   
1.5
 
 
2.  Employee Stock Option and Appreciation Right Plan

The Company had a Stock Option and Appreciation Right Plan (the “Plan”) which expired in 2006.  At December 31, 2013 all outstanding shares are fully vested (exercisable).  The ability to grant new options under this plan has expired.

A summary of the Plan activity is presented below:
 
 
 
2013
  
2012
 
 
 
  
Weighted
  
Weighted
  (1) 
  
Weighted
 
 
 
  
Average
  
Average
  
Average
  
  
Average
 
 
 
  
Exercise
  
Remaining
  
Intrinsic
  
  
Exercise
 
 
 
Options
  
Price
  
Term (yrs)
  
Value
  
Options
  
Price
 
Options outstanding at beginning of year
  
217,561
  
$
21.50
   
1.3
       
335,919
  
$
21.01
 
Exercised
  
-
   
-
           
-
   
-
 
Forfeited
  
(119,137
)
  
21.53
           
(74,569
)
  
21.42
 
Expired
  
(15,644
)
  
18.27
           
(43,789
)
  
17.91
 
Options outstanding at the end of the year
  
82,780
  
$
22.06
   
1.1
  
$
-
   
217,561
  
$
21.50
 
Options exercisable at the end of the year
  
82,780
  
$
22.06
   
1.1
  
$
-
   
217,561
  
$
21.50
 

(1) The aggregate intrinsic value of a stock option in the table above represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had they exercised their options on December 31, 2013.  The intrinsic value varies based on the changes in the market value in the Company’s stock.  Because the exercise price exceeded the market value of the options, the average intrinsic value was $0 at December 31, 2013.

Information pertaining to options outstanding at December 31, 2013 is as follows:

  
Options outstanding and exercisable
 
  
  
Weighted
  
Weighted
 
  
  
Average
  
Average
 
Range of
  
Number
  
Exercise
  
Remaining
 
exercise prices
  
Outstanding
  
Price
  
Term (yrs)
 
$21.00 - $23.00
   
82,780
  
$
22.06
   
1.1
 
     
82,780
  
$
22.06
   
1.1
 
 
3.  Long-Term Incentive Plan

The 2007 Long-Term Incentive Plan was approved by Shareholders at the May 16, 2007 Annual Meeting.  The plan consists of both a restricted and an unrestricted stock option plan.  All employees and non-employee directors of the Company and its designated subsidiaries are eligible participants. The plan includes one million shares of Class A common stock, subject to customary anti-dilution adjustments, or approximately 9.0% of  the total outstanding shares of the Class A common stock.

As of December 31, 2012, 187,390 shares from the unrestricted plan have been granted. The option price is equal to the fair market value at the date of the grant. The employee options are exercisable based on the grant’s vesting schedule beginning one year after the date of grant and must be exercised within ten years of the grant date.  Directors’ options are exercisable on the one year anniversary of the date of grant and must be exercised within ten years of the grant date.
 
A summary of the status of the unrestricted portion of the Plan is presented below:

 
 
2013
  
2012
 
 
 
  
Weighted
  
Weighted
  (1)
 
 
  
Weighted
 
 
 
  
Average
  
Average
  
Average
  
  
Average
 
 
 
  
Exercise
  
Remaining
  
Intrinsic
  
  
Exercise
 
 
 
Options
  
Price
  
Term (yrs)
  
Value
  
Options
  
Price
 
Options outstanding at beginning of year
  
86,226
  
$
9.22
   
5.4
       
116,440
  
$
9.73
 
Granted
  
15,000
   
1.36
           
-
   
-
 
Exercised
  
-
   
-
           
-
   
-
 
Forfeited
  
(11,840
)
  
8.83
           
(30,214
)
  
11.19
 
Expired
  
-
   
-
           
-
   
-
 
Options outstanding at the end of the year
  
89,386
  
$
7.95
   
4.9
  
$
-
   
86,226
  
$
9.22
 
Options exercisable at the end of the year
  
74,386
  
$
9.28
   
4.0
  
$
-
   
75,706
  
$
9.88
 
                        
Weighted-average fair value of options granted during the year
     
$
0.98
      
$
-
      
$
-
 

(1) The aggregate intrinsic value of a stock option in the table above represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had they exercised their options on December 31, 2013.  The intrinsic value varies based on the changes in the market value in the Company’s stock.  Because the exercise price exceeded the market value of the options, the average intrinsic value was $0 at December 31, 2013.
 
Information pertaining to options outstanding at December 31, 2013 is as follows:

  
Options issued and outstanding
  
Options exercisable
 
  
  
Weighted
  
Weighted
  
  
Weighted
 
  
  
Average
  
Average
  
  
Average
 
Range of
  
Number
  
Exercise
  
Remaining
  
Number
  
Exercise
 
exercise prices
  
Outstanding
  
Price
  
Term (yrs)
  
Outstanding
  
Price
 
$
1.36
   
15,000
  
$
1.36
   
9.3
   
-
  
$
-
 
$
4.50
   
51,550
   
4.50
   
4.3
   
51,550
   
4.50
 
$
20.08
   
22,836
   
20.08
   
3.3
   
22,836
   
20.08
 
     
89,386
  
$
7.95
   
4.9
   
74,386
  
$
9.28
 
 
The following table provides detail for non-vested shares under the Long-Term Incentive Plan as of December 31, 2013:

 
 
  
Weighted
 
 
 
  
Average
 
 
 
Number
  
Exercise
 
 
 
of shares
  
Price
 
Non-vested options December 31, 2012
  
10,520
  
$
4.50
 
Granted
  
15,000
   
1.36
 
Forfeited
  
(1,590
)
  
4.50
 
Vested
  
(8,930
)
  
4.50
 
Non-vested options December 31, 2013
  
15,000
  
$
1.36
 

Under the aforementioned Long-Term Incentive Plan, approved by shareholders in May 2007, the Company is authorized to grant share-based incentive compensation awards for corporate performance to employees.  These awards may be granted in form of shares of the Company’s common stock, performance-restricted restricted stock.
 
The vesting of awards is contingent upon meeting certain return on asset and return on equity goals.  The awards are not permitted to be transferred during the restricted time period from the date of the award and are subject to forfeiture to the extent that the performance restrictions are not satisfied.  Awards are also forfeited if the employee terminates his or her service prior to the end of the restricted time period, unless such termination is in accordance with the Company’s mandatory retirement age.  Vested awards are converted to shares of the Company’s common stock at the end of the restricted time period.  The fair market value of each employee based award is estimated based on the fair market value of the Company’s common stock on the date of the grant and probable performance goals to be achieved and estimated forfeitures.  If such goals are not met then no compensation cost would be recognized and any recognized compensation cost would be reversed.  There were no shares of restricted stock outstanding at December 31, 2013.
 
XML 69 R68.htm IDEA: XBRL DOCUMENT v2.4.0.8
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK AND CONCENTRATIONS OF CREDIT RISK (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Contract amount [Abstract]    
Percentage of collateral held on off balance sheet commitments (in hundredths) 75.00%  
Open-end Lines of Credit [Member]
    
Contract amount [Abstract]    
Financial instruments whose contract amounts represent credit risk $ 21,182 $ 20,515
Commitments to Extend Credit [Member]
    
Contract amount [Abstract]    
Financial instruments whose contract amounts represent credit risk 200 24,030
Standby Letters of Credit and Financial Guarantees Written [Member]
    
Contract amount [Abstract]    
Financial instruments whose contract amounts represent credit risk $ 2,679 $ 1,199
Extension period for guarantees One year  
Guarantees expiry period August 2016  
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Consolidated Statements of Cash Flows (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Cash flows from operating activities    
Net income (loss) $ 2,109 $ (15,625)
Adjustments to reconcile net loss to net cash provided by operating activities:    
Depreciation and amortization 451 417
Stock compensation expense 22 42
Net amortization of investment securities 4,183 6,423
Net accretion on loans (382) (241)
Impairment of AFS investment securities 0 2,359
Net gains on sales of AFS investment securities (158) (1,030)
(Credit) provision for loan and lease losses (872) 5,997
Impairment charge on loans held for sale 153 2,002
Proceeds from sales of loans and leases 3,919 11,052
Gains on sales of loans and leases (686) (2,057)
Impairment charge for other real estate owned 1,517 6,741
Net gains on sales of other real estate (1,427) (363)
Gains on sales of premises and equipment (2,524) 0
Income from equity investments 0 (75)
Income from bank owned life insurance (539) (553)
Changes in assets and liabilities:    
Decrease in accrued interest receivable 3,202 5,207
(Increase) decrease in other assets 1,502 3,121
(Decrease) increase in accrued interest payable (2,795) 310
(Decrease) increase in other liabilities (2,238) 3,154
Net cash provided by operating activities 5,437 26,881
Cash flows from investing activities    
Proceeds from maturities, calls and paydowns of AFS investment securities 94,676 148,112
Proceeds from sales of AFS investment securities 31,046 28,246
Purchase of AFS investment securities (99,720) (205,265)
Net redemption of Federal Home Loan Bank stock 1,807 2,463
Net (increase) decrease in loans (34,408) 52,691
Proceeds from sales of real estate owned 12,779 12,014
Proceeds from the sale of premises and equipment 3,267 0
Purchase of premises and equipment (437) (255)
Distribution from investments in real estate 0 75
Net cash provided by investing activities 9,010 38,081
Cash flows from financing activities    
Increase (decrease) in demand and NOW accounts 3,397 4,745
(Decrease) increase in money market and savings accounts (14,560) (2,262)
Decrease in certificates of deposit (14,790) (23,482)
Change in short-term borrowings 10,000 (54,218)
Repayments of long-term borrowings (50,452) (449)
Proceeds from long-term borrowings 40,000 15,000
Net cash used in financing activities (26,405) (60,666)
Net increase (decrease) in cash and cash equivalents (11,958) 4,296
Cash and cash equivalents at beginning of period 28,802 24,506
Cash and cash equivalents at end of period 16,844 28,802
Supplemental Disclosure    
Interest 10,152 9,589
Income taxes 0 0
Transfers to other real estate owned $ 9,051 $ 10,811
XML 72 R3.htm IDEA: XBRL DOCUMENT v2.4.0.8
Consolidated Balance Sheets (Parenthetical) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Royal Bancshares of Pennsylvania, Inc    
Preferred stock, liquidation value (in dollars per share) $ 1,000 $ 1,000
Preferred stock, shares authorized (in shares) 500,000 500,000
Preferred stock, shares issued (in shares) 30,407 30,407
Preferred stock, shares outstanding (in shares) 30,407 30,407
Common Class A [Member]
    
Royal Bancshares of Pennsylvania, Inc    
Common stock, par value (in dollars per share) $ 2.00 $ 2.00
Common stock, shares authorized (in shares) 40,000,000 20,000,000
Common stock, shares issued (in shares) 11,469,940 11,431,638
Treasury stock, shares (in shares) 453,077 498,488
Common Class B [Member]
    
Royal Bancshares of Pennsylvania, Inc    
Common stock, par value (in dollars per share) $ 0.10 $ 0.10
Common stock, shares authorized (in shares) 3,000,000 3,000,000
Common stock, shares issued (in shares) 1,987,142 2,020,499
XML 73 R17.htm IDEA: XBRL DOCUMENT v2.4.0.8
BORROWINGS AND SUBORDINATED DEBENTURES
 12 Months Ended
Dec. 31, 2013
BORROWINGS AND SUBORDINATED DEBENTURES [Abstract]  
BORROWINGS AND SUBORDINATED DEBENTURES
NOTE 10 – BORROWINGS AND SUBORDINATED DEBENTURES

1. Advances from the Federal Home Loan Bank
 
While Royal Bank has a $150 million line of credit with the FHLB, the available borrowing capacity with the FHLB is based on qualified collateral.  During the third quarter, the FHLB released Royal Bank from the over collateralized delivery requirement of 105% subject to reevaluation on a quarterly basis. Additionally during the fourth quarter of 2013 the FHLB released Royal Bank from loan-level listing status.  As of December 31, 2013, Royal Bank had approximately $190.0 million of available borrowing capacity at the FHLB as a result of the two collateral restrictions being removed.  Total advances from the FHLB were $65.0 million at December 31, 2013 and 2012.  The FHLB advances had a weighted average interest rate of 1.19%.   The advances and the line of credit are collateralized by FHLB stock, government agencies and mortgage-backed securities.  As of December 31, 2013, investment securities with a market value of $70.4 million were pledged as collateral to the FHLB.  The average balance of advances with the FHLB during 2013 was $64.4 million.
 
At December 31, 2012, advances from FHLB totaled $65.0 million with maturities within five years.  These advances had a weighted average interest rate of 2.35%.   The average balance of advances with the FHLB during 2012 was $80.1 million.

Presented below are the Company’s FHLB borrowings allocated by the year in which they mature with their corresponding weighted average rates:

 
 
As of December 31,
 
(Dollars in thousands)
 
2013
  
2012
 
 
 
Amount
  
Rate
  
Amount
  
Rate
 
Advances maturing in
 
  
  
  
 
2013
 
$
-
   
-
  
$
50,000
   
2.64
%
2014
  
10,000
   
0.24
%
        
2015
  
10,000
   
0.71
%
  
-
   
-
 
2016
  
10,000
   
1.11
%
  
-
   
-
 
2017
  
25,000
   
1.46
%
  
15,000
   
1.39
%
2018
  
10,000
   
2.01
%
        
Total FHLB borrowings
 
$
65,000
      
$
65,000
     

2. Other borrowings
 
The Company has a note payable with PNC Bank (“PNC”) at December 31, 2013 in the amount of $2.9 million with a maturity date of August 25, 2016.  The note payable balance at December 31, 2012 was $3.3 million.  The interest rate is a variable rate using rate index of one month LIBOR + 15 basis points and adjusts monthly.  The interest rate at December 31, 2013 and 2012 was 0.32% and 0.36%, respectively.

At December 31, 2013 and 2012, the Company had other borrowings of $40.0 million from PNC which will mature on January 7, 2018.  These borrowings are secured by government agencies and mortgaged-backed securities.  These borrowings have a weighted average interest rate of 3.65%.  As of December 31, 2013, investment securities with a market value of $49.7 million were pledged as collateral to secure all borrowings with PNC.

3.  Subordinated debentures

The Company has outstanding $25.0 million of Trust Preferred Securities issued through two Delaware trust affiliates, Royal Bancshares Capital Trust I (“Trust I”) and Royal Bancshares Capital Trust II (“Trust II”) (collectively, the “Trusts”).  The Company issued an aggregate principal amount of $12.9 million of floating rate junior subordinated debt securities to Trust I and an aggregate principal amount of $12.9 million of fixed/floating rate junior subordinated deferrable interest to Trust II.  Both debt securities bear an interest rate of 2.39% at December 31, 2013, and reset quarterly at 3-month LIBOR plus 2.15%.

Each of Trust I and Trust II issued an aggregate principal amount of $12.5 million of capital securities initially bearing fixed and/or fixed/floating interest rates corresponding to the debt securities held by each trust to an unaffiliated investment vehicle and an aggregate principal amount of $387,000 of common securities bearing fixed and/or fixed/floating interest rates corresponding to the debt securities held by each trust to the Company.  The Company has fully and unconditionally guaranteed all of the obligations of the Trusts, including any distributions and payments on liquidation or redemption of the capital securities.
 
On August 13, 2009, the Company’s Board suspended the interest payments on the trust preferred securities.  Under the Federal Reserve MOU as described in “Note 2 – Regulatory Matters and Significant Risks or Uncertainties” to the Consolidated Financial Statements, the Company and its non-bank subsidiaries may not make any distributions of interest, principal, or other sums on subordinated debentures or trust preferred securities without the prior written approval of the Reserve Bank and the Director of the Division of Banking Supervision and Regulation of the Board of Governors of the Federal Reserve System.  During the third quarter of 2013, the Company received approval from the Federal Reserve Bank to pay the $3.1 million interest payment in arrears on the trust preferred securities.  On September 16, 2013, the Company became current on the trust preferred interest payments which included an interest penalty of $174,000.  The Company received approval and paid the fourth quarter interest payment in December 2013.
XML 74 R1.htm IDEA: XBRL DOCUMENT v2.4.0.8
Document and Entity Information (USD $)
 12 Months Ended
Dec. 31, 2013
Jun. 30, 2013
Entity Information [Line Items]    
Entity Registrant Name ROYAL BANCSHARES OF PENNSYLVANIA INC  
Entity Central Index Key 0000922487  
Current Fiscal Year End Date --12-31  
Entity Well-known Seasoned Issuer No  
Entity Voluntary Filers No  
Entity Current Reporting Status Yes  
Entity Filer Category Smaller Reporting Company  
Entity Public Float   $ 0
Document Fiscal Year Focus 2013  
Document Fiscal Period Focus FY  
Document Type 10-K  
Amendment Flag false  
Document Period End Date Dec. 31, 2013  
Common Class A [Member]
    
Entity Information [Line Items]    
Entity Common Stock, Shares Outstanding 0  
Common Class B [Member]
    
Entity Information [Line Items]    
Entity Common Stock, Shares Outstanding 0  
XML 75 R18.htm IDEA: XBRL DOCUMENT v2.4.0.8
INCOME TAXES
 12 Months Ended
Dec. 31, 2013
INCOME TAXES [Abstract]  
INCOME TAXES
NOTE 11 - INCOME TAXES

The components of income tax expense are stated below:

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
Income tax expense
 
  
 
Current
 
$
42
  
$
-
 
Deferred
  
-
   
-
 
Income tax expense
 
$
42
  
$
-
 

The difference between the applicable income tax expense and the amount computed by applying the statutory federal income tax rate of 34% in 2013 and 2012 is as follows:

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
Computed tax expense (benefit) at statutory rate
 
$
731
  
$
(5,313
)
Tax-exempt income
  
(22
)
  
(42
)
Department of Justice fine
  
-
   
680
 
Nondeductible expense
  
21
   
29
 
Bank owned life insurance
  
(183
)
  
(188
)
Adjustment to prior year items
  
1,933
   
-
 
(Decrease) increase in valuation allowance
  
(2,438
)
  
4,834
 
Applicable income tax expense
 
$
42
  
$
-
 
 
Deferred tax assets and liabilities consist of the following:

 
 
As of December 31,
 
(In thousands)
 
2013
  
2012
 
Deferred tax assets
 
  
 
Allowance for loan and lease losses
 
$
4,648
  
$
5,863
 
Net operating loss carry forward  
18,908
   
21,988
 
Asset valuation reserves
  
34
   
79
 
Escrow settlement reserves
  
561
   
-
 
Security writedowns
  
2,193
   
1,429
 
OREO writedowns
  
1,490
   
4,475
 
Investment in partnerships
  
1,805
   
34
 
Pension obligations
  
4,926
   
5,745
 
Unrealized losses on debt securities
  
2,171
   
-
 
Accrued stock-based compensation
  
143
   
804
 
Non-accrual interest
  
134
   
277
 
Capital loss carryovers
  
2,892
   
1,550
 
Charitable contribution carryovers
  
14
   
11
 
Other
  
77
   
139
 
Deferred tax assets before valuation allowance
  
39,996
   
42,394
 
Less valuation allowance
  
(37,159
)
  
(39,597
)
Total deferred tax assets
  
2,837
   
2,797
 
Deferred tax liabilities
        
Penalties on delinquent tax certificates
  
39
   
224
 
Unrealized gains on AFS debt investment securities
  
-
   
1,665
 
Unrealized gains on AFS equity securities
  
429
   
145
 
Prepaid deductions
  
190
   
285
 
Other
  
8
   
64
 
Total deferred tax liabilities
  
666
   
2,383
 
Net deferred tax assets, included in other assets
 
$
2,171
  
$
414
 
 
As of December 31, 2013 the Company had net operating income tax loss carryforwards of approximately $51.6 million which are available to be carried forward to future tax years.  These loss carryforwards will expire in varying amounts beginning in 2030 and ending in 2033 if not utilized.

The Company has approximately $4.0 million available to be utilized as of December 31, 2013 related to net operating loss carryovers from the acquisition of Knoblauch State Bank.  The ability to utilize these carryovers will expire in 2015.  The utilization of these losses is subject to limitation under Section 382 of the Internal Revenue Code.

As of December 31, 2013, the Company has capital loss carryforwards of approximately $8.5 million which will begin to expire as of December 31, 2014 if not utilized. The company also has charitable contribution carryovers of $42,000 that will begin to expire as of December 31, 2014 if not utilized. The company also has general business tax credit carryovers of $1,000 that will begin to expire as of December 31, 2030 if not utilized.
 
The Company recognizes deferred tax assets and liabilities for the future tax consequences related to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases, and for tax credits.  The deferred tax assets, net of valuation allowances, totaled $2.2 million and $414,000 at December 31, 2013 and 2012, respectively.  Management evaluated the deferred tax assets for recoverability using a consistent approach which considers the relative impact of negative and positive evidence, including historical profitability and projections of future reversals of temporary differences and future taxable income.  The Company is required to establish a valuation allowance for deferred tax assets and record a charge to income or shareholders' equity if management determines, based on available evidence at the time the determination is made, that it is more likely than not that some portion or all of the deferred tax assets will not be realized.  In evaluating the need for a valuation allowance, the Company estimates future taxable income based on management approved business plans and ongoing tax planning strategies.  This process involves significant management judgment about assumptions that are subject to change from period to period based on changes in tax laws or variances between projected operating performance, actual results and other factors.  The Company did not establish a valuation allowance for the deferred tax asset amount of $2.2 million as of December 31, 2013.  The $2.2 million net deferred tax asset as of December 31, 2013 relates to the portion attributable to unrealized losses on AFS debt securities recorded through accumulated other comprehensive loss since they do not require a source of future taxable income for realization. Management believes this deferred tax related to AFS debt securities is recoverable because the Company has the intent and ability to hold these securities until recovery of the amortized cost basis or the increase in value up to its amortized cost over the life.  Management believes that these unrealized losses will reverse over time.

As of December 31, 2013, the Company was in a cumulative book loss position for the three-year period ended December 31, 2013.  For purposes of establishing a deferred tax asset valuation allowance, this cumulative book loss position is considered significant objective evidence that the Company may not be able to realize some portion of the deferred tax assets in the future.  The cumulative book loss position was caused by the negative impact on results from the banking operations, investment impairments and loan and lease losses over the past three years.

As of December 31, 2013, and 2012, management concluded that it was more likely than not that the Company would not generate sufficient future taxable income to realize all of the deferred tax assets. Management’s conclusion was based on consideration of the relative weight of the available evidence and the uncertainty of future market conditions on results of operations.  As a result, the Company has recorded a cumulative non-cash charge of $37.2 million in the consolidated statements of operations that began in the period ended December 31, 2008 related to the establishment of a valuation allowance for the deferred tax asset for the portion of the future tax benefit that more likely than not will not be utilized in the future.

The Company is subject to income taxes in the U. S. and various state and local jurisdictions.  As of December 31, 2013, tax years 2006 through 2007 and 2009 through 2013 are subject to examination by various taxing authorities.  Tax regulations are subject to interpretation of the related tax laws and regulations and require significant judgment to apply.
 
The Company adopted new authoritative accounting guidance issued under FASB ASC Topic 740-10, “Accounting for Uncertainty in Income Taxes” as of January 1, 2007, and had no material unrecognized tax benefits (UTB) or accrued interest and penalties as of December 31, 2013. We do not expect the total amount of unrecognized tax benefits to significantly increase in the next twelve months.  We classify interest and penalties as an element of tax expense. We monitor changes in tax statutes and regulations to determine if significant changes will occur over the next 12 months. As of December 31, 2013 no significant changes to UTB are projected, however, tax audit examinations are possible.
 
XML 76 R80.htm IDEA: XBRL DOCUMENT v2.4.0.8
FAIR VALUE OF FINANCIAL INSTRUMENTS - BALANCE SHEET GROUPING (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Quoted Prices in Active Markets for Identical Assets Level 1 [Member]
    
Financial Assets [Abstract]    
Cash and cash equivalents $ 16,844 $ 28,802
AFS investment securities 49 47
Other investment 0 0
Federal Home Loan Bank stock 0 0
Loans held for sale 0 0
Loans, net 0 0
Accrued interest receivable 0 0
Financial Liabilities [Abstract]    
Demand deposits 0 0
NOW and money markets 0 0
Savings 0 0
Time deposits 0 0
Short-term borrowings 10,000  
Long-term borrowings 0 0
Subordinated debt 0 0
Accrued interest payable 0 0
Significant Other Observable Inputs Level 2 [Member]
    
Financial Assets [Abstract]    
Cash and cash equivalents 0 0
AFS investment securities 304,053 344,992
Other investment 0 0
Federal Home Loan Bank stock 0 0
Loans held for sale 0 0
Loans, net 0 0
Accrued interest receivable 7,054 10,256
Financial Liabilities [Abstract]    
Demand deposits 60,473 58,531
NOW and money markets 210,053 223,279
Savings 17,593 17,472
Time deposits 239,102 251,532
Short-term borrowings 0  
Long-term borrowings 94,896 102,824
Subordinated debt 26,000 23,837
Accrued interest payable 965 3,760
Significant Unobservable Inputs Level 3 [Member]
    
Financial Assets [Abstract]    
Cash and cash equivalents 0 0
AFS investment securities 4,625 4,164
Other investment 2,250 2,250
Federal Home Loan Bank stock 4,204 6,011
Loans held for sale 1,446 1,572
Loans, net 349,336 330,260
Accrued interest receivable 0 0
Financial Liabilities [Abstract]    
Demand deposits 0 0
NOW and money markets 0 0
Savings 0 0
Time deposits 0 0
Short-term borrowings 0  
Long-term borrowings 0 0
Subordinated debt 0 0
Accrued interest payable 0 0
Carrying Amount [Member]
    
Financial Assets [Abstract]    
Cash and cash equivalents 16,844 28,802
AFS investment securities 308,727 349,203
Other investment 2,250 2,250
Federal Home Loan Bank stock 4,204 6,011
Loans held for sale 1,446 1,572
Loans, net 352,810 326,904
Accrued interest receivable 7,054 10,256
Financial Liabilities [Abstract]    
Demand deposits 60,473 58,531
NOW and money markets 210,053 223,279
Savings 17,593 17,472
Time deposits 240,845 255,635
Short-term borrowings 10,000  
Long-term borrowings 97,881 108,333
Subordinated debt 25,774 25,774
Accrued interest payable 965 3,760
Estimated Fair Value [Member]
    
Financial Assets [Abstract]    
Cash and cash equivalents 16,844 28,802
AFS investment securities 308,727 349,203
Other investment 2,250 2,250
Federal Home Loan Bank stock 4,204 6,011
Loans held for sale 1,446 1,572
Loans, net 349,336 330,260
Accrued interest receivable 7,054 10,256
Financial Liabilities [Abstract]    
Demand deposits 60,473 58,531
NOW and money markets 210,053 223,279
Savings 17,593 17,472
Time deposits 239,102 251,532
Short-term borrowings 10,000  
Long-term borrowings 94,896 102,824
Subordinated debt 26,000 23,837
Accrued interest payable $ 965 $ 3,760
XML 77 R4.htm IDEA: XBRL DOCUMENT v2.4.0.8
Consolidated Statements of Operations (USD $)
In Thousands, except Per Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Interest income    
Loans and leases, including fees $ 21,741 $ 25,266
Investment securities available for sale 5,757 6,677
Deposits in banks 26 38
Total Interest Income 27,524 31,981
Interest expense    
Deposits 4,022 5,898
Short-term borrowings 22 309
Long-term borrowings 3,313 3,692
Total Interest Expense 7,357 9,899
Net Interest Income 20,167 22,082
(Credit) provision for loan and lease losses (872) 5,997
Net Interest Income after (Credit) Provision for Loan and Lease Losses 21,039 16,085
Non-interest income    
Gain on sale of premises and equipment 2,524 0
Net gains on sales of other real estate owned 1,427 363
Service charges and fees 1,323 1,218
Gains on sales of loans and leases 686 2,057
Income from bank owned life insurance 539 553
Net gains on the sale of AFS investment securities 158 1,030
Other income 207 747
Total other-than-temporary impairment losses on investment securities 0 (2,359)
Total Non-interest Income 6,864 3,609
Non-interest expense    
Salaries and benefits 10,276 11,576
Professional and legal fees 2,954 4,180
OREO expenses and impairment charges 2,785 8,401
Occupancy and equipment 2,281 2,192
Loss contingency 1,750 0
Pennsylvania shares tax 1,123 1,148
FDIC and state assessments 1,038 1,056
Loan collection expenses 557 465
Directors fees 490 401
Restructuring charges 361 0
Impairment of loans held for sale 153 2,002
Department of Justice fine 0 2,000
Other operating expenses 2,562 2,903
Total Non-interest Expense 26,330 36,324
Income (Loss) Before Income Taxes 1,573 (16,630)
Income tax expense 42 0
Net Income (Loss) 1,531 (16,630)
Less net loss attributable to noncontrolling interest (578) (1,005)
Net Income (Loss) Attributable to Royal Bancshares of Pennsylvania, Inc. 2,109 (15,625)
Less Preferred stock Series A accumulated dividend and accretion 2,075 2,038
Net Income (Loss) to Common Shareholders $ 34 $ (17,663)
Net Income (Loss) - basic and diluted (in dollars per share) $ 0 $ (1.33)
XML 78 R12.htm IDEA: XBRL DOCUMENT v2.4.0.8
ALLOWANCE FOR LOAN AND LEASE LOSSES
 12 Months Ended
Dec. 31, 2013
Allowance for Loan and Lease Losses [Abstract]  
ALLOWANCE FOR LOAN AND LEASE LOSSES
NOTE 5 – ALLOWANCE FOR LOAN AND LEASE LOSSES

The following table presents the detail of the allowance and the loan portfolio disaggregated by loan portfolio segment as of December 31, 2013 and 2012.

Allowance for Loan and Leases Losses and Loans Held for Investment
For the year ended December 31, 2013


(In thousands)
 
Commercial
real estate
  
Construction
and land development
  
Commercial & industrial
  
Multi-family
  
Residential
real estate
  
Leases
  
Tax
certificates
  
Consumer
  
Unallocated
  
Total
 
Allowance for Loan and Leases Losses
  
  
  
  
  
  
  
  
  
 
Beginning balance
 
$
8,750
  
$
2,987
  
$
1,924
  
$
654
  
$
1,098
  
$
1,108
  
$
472
  
$
29
  
$
239
  
$
17,261
 
Charge-offs
  
(1,684
)
  
(820
)
  
(383
)
  
-
   
(46
)
  
(382
)
  
(578
)
  
-
   
-
   
(3,893
)
Recoveries
  
600
   
297
   
17
   
-
   
158
   
29
   
74
   
-
   
-
   
1,175
 
(Credit) provision
  
(2,168
)
  
(148
)
  
1,448
   
(252
)
  
(737
)
  
468
   
587
   
(14
)
  
(56
)
  
(872
)
Ending balance
 
$
5,498
  
$
2,316
  
$
3,006
  
$
402
  
$
473
  
$
1,223
  
$
555
  
$
15
  
$
183
  
$
13,671
 
 
                                        
Ending balance: related to loans individually evaluated for impairment
 
$
331
  
$
-
  
$
452
  
$
-
  
$
19
  
$
60
  
$
24
  
$
-
  
$
-
  
$
886
 
 
                                        
Ending balance: related to loans collectively evaluated for impairment
 
$
5,167
  
$
2,316
  
$
2,554
  
$
402
  
$
454
  
$
1,163
  
$
531
  
$
15
  
$
183
  
$
12,785
 
 
                                        
LHFI
                                        
Ending balance
 
$
148,293
  
$
45,261
  
$
79,589
  
$
11,737
  
$
25,535
  
$
42,524
  
$
12,716
  
$
826
  
$
-
  
$
366,481
 
 
                                        
Ending balance: individually evaluated for impairment
 
$
5,325
  
$
3,907
  
$
8,049
  
$
-
  
$
632
  
$
139
  
$
454
  
$
-
  
$
-
  
$
18,506
 
 
                                        
Ending balance: collectively evaluated for impairment
 
$
142,968
  
$
41,354
  
$
71,540
  
$
11,737
  
$
24,903
  
$
42,385
  
$
12,262
  
$
826
  
$
-
  
$
347,975
 

Allowance for Loan and Leases Losses and Loans Held for Investment
For the year ended December 31, 2012

(In thousands)
 
Commercial real estate
  
Construction and land development
  
Commercial & industrial
  
Multi-family
  
Residential
real estate
  
Leases
  
Tax
certificates
  
Consumer
  
Unallocated
  
Total
 
Allowance for Loan and Leases Losses
  
  
  
  
  
  
  
  
  
 
Beginning balance
 
$
7,744
  
$
2,523
  
$
2,331
  
$
531
  
$
1,188
  
$
1,311
  
$
425
  
$
20
  
$
307
  
$
16,380
 
Charge-offs
  
(1,313
)
  
(2,452
)
  
(586
)
  
(542
)
  
(111
)
  
(465
)
  
(802
)
  
-
   
-
   
(6,271
)
Recoveries
  
3
   
816
   
67
   
-
   
208
   
32
   
29
   
-
   
-
   
1,155
 
Provision (credit)
  
2,316
   
2,100
   
112
   
665
   
(187
)
  
230
   
820
   
9
   
(68
)
  
5,997
 
Ending balance
 
$
8,750
  
$
2,987
  
$
1,924
  
$
654
  
$
1,098
  
$
1,108
  
$
472
  
$
29
  
$
239
  
$
17,261
 
 
                                        
Ending balance: related to loans individually evaluated for impairment
 
$
835
  
$
820
  
$
255
  
$
-
  
$
14
  
$
55
  
$
47
  
$
-
  
$
-
  
$
2,026
 
 
                                        
Ending balance: related to loans collectively evaluated for impairment
 
$
7,915
  
$
2,167
  
$
1,669
  
$
654
  
$
1,084
  
$
1,053
  
$
425
  
$
29
  
$
239
  
$
15,235
 
 
                                        
LHFI
                                        
Ending balance
 
$
167,115
  
$
37,215
  
$
40,560
  
$
11,756
  
$
24,981
  
$
37,347
  
$
24,569
  
$
1,139
  
$
-
  
$
344,682
 
 
                                        
Ending balance: individually evaluated for impairment
 
$
10,958
  
$
5,943
  
$
10,251
  
$
-
  
$
994
  
$
81
  
$
601
  
$
-
  
$
-
  
$
28,828
 
 
                                        
Ending balance: collectively evaluated for impairment
 
$
156,157
  
$
31,272
  
$
30,309
  
$
11,756
  
$
23,987
  
$
37,266
  
$
23,968
  
$
1,139
  
$
-
  
$
315,854
 
 
The following tables detail the impaired LHFI by loan segment.

 
 
As of December 31, 2013
 
(In thousands)
 
Unpaid
principal
balance
  
Recorded
investment
  
Related
allowance
  
Average
recorded investment
  
Interest
income
recognized
 
With no related allowance recorded:
 
  
  
  
  
 
Commercial real estate
 
$
4,429
  
$
4,158
  
$
-
  
$
7,956
  
$
73
 
Construction and land development
  
9,850
   
3,907
   
-
   
3,933
   
209
 
Commercial and industrial
  
6,693
   
6,491
   
-
   
5,960
   
250
 
Residential real estate
  
-
   
-
   
-
   
84
   
27
 
Tax certificates
  
179
   
115
   
-
   
167
   
-
 
Total:
 
$
21,151
  
$
14,671
  
$
-
  
$
18,100
  
$
559
 
With an allowance recorded:
                    
Commercial real estate
 
$
1,435
  
$
1,435
  
$
331
  
$
1,879
  
$
-
 
Construction and land development
  
-
   
-
   
-
   
381
   
-
 
Commercial and industrial
  
2,592
   
1,290
   
452
   
2,456
   
-
 
Residential real estate
  
827
   
631
   
19
   
492
   
-
 
Leases
  
139
   
139
   
60
   
106
   
-
 
Tax certificates
  
4,322
   
340
   
24
   
341
   
-
 
Total:
 
$
9,315
  
$
3,835
  
$
886
  
$
5,655
  
$
-
 
 
 
 
As of December 31, 2012
 
(In thousands)
 
Unpaid
principal
balance
  
Recorded
investment
  
Related
allowance
  
Average
recorded
investment
  
Interest
income
recognized
 
With no related allowance recorded:
 
  
  
  
  
 
Commercial real estate
 
$
10,417
  
$
8,623
  
$
-
  
$
11,163
  
$
78
 
Construction and land development
  
6,250
   
3,464
   
-
   
10,059
   
187
 
Commercial and industrial
  
7,790
   
6,820
   
-
   
5,545
   
73
 
Multi-family
  
-
   
-
   
-
   
780
   
-
 
Residential real estate
  
572
   
516
   
-
   
490
   
21
 
Tax certificates
  
-
   
-
   
-
   
583
   
-
 
Total:
 
$
25,029
  
$
19,423
  
$
-
  
$
28,620
  
$
359
 
With an allowance recorded:
                    
Commercial real estate
 
$
4,136
  
$
2,335
  
$
835
  
$
1,526
  
$
-
 
Construction and land development
  
6,180
   
2,479
   
820
   
923
   
-
 
Commercial and industrial
  
9,585
   
3,431
   
255
   
682
   
-
 
Multi-family
  
-
   
-
   
-
   
383
   
-
 
Residential real estate
  
685
   
478
   
14
   
714
   
7
 
Leases
  
81
   
81
   
55
   
86
   
-
 
Tax certificates
  
4,408
   
601
   
47
   
288
   
-
 
Total:
 
$
25,075
  
$
9,405
  
$
2,026
  
$
4,602
  
$
7
 
 
XML 79 R11.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS AND LEASES
 12 Months Ended
Dec. 31, 2013
LOANS AND LEASES [Abstract]  
LOANS AND LEASES
NOTE 4 – LOANS AND LEASES

Major classifications of LHFI are as follows:

 
 
As of December 31,
 
(In thousands)
 
2013
  
2012
 
Commercial real estate
 
$
148,293
  
$
167,115
 
Construction and land development
  
45,261
   
37,215
 
Commercial and industrial
  
79,589
   
40,560
 
Multi-family
  
11,737
   
11,756
 
Residential real estate
  
25,535
   
24,981
 
Leases
  
42,524
   
37,347
 
Tax certificates
  
12,716
   
24,569
 
Consumer
  
826
   
1,139
 
 
  
366,481
   
344,682
 
Less: Deferred loan fees, net*
  
-
   
(517
)
Total LHFI, net of unearned income
 
$
366,481
  
$
344,165
 

*For the 2013 period net deferred fees were allocated among the various loan types.

The Company originates commercial and real estate loans, including construction and land development loans primarily in the greater Philadelphia metropolitan area as well as selected locations throughout the mid-Atlantic region.  The Company also has participated with other financial institutions in selected construction and land development loans outside our geographic area. The Company has a concentration of credit risk in commercial real estate, construction and land development loans at December 31, 2013.  A substantial portion of its debtors’ ability to honor their contracts is dependent upon the housing sector specifically and the economy in general.
 
The Company has originated loans to the officers and directors of the Company and to their associates.  In accordance with Regulation O, related party loans are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated persons and do not involve more than normal risk of collectability.  The aggregate dollar amount of these loans and commitments was $234,000 and $1.4 million at December 31, 2013 and 2012.  During 2013 there were no new related party loans.  Total payments received on related party loans in 2013 were $1.2 million.
 
The Company uses a nine point grading risk classification system commonly used in the financial services industry as the credit quality indicator.  The first four classifications are rated Pass.  The riskier classifications include Pass-Watch, Special Mention, Substandard, Doubtful and Loss.  The risk rating is related to the underlying credit quality and probability of default.  These risk ratings are used to calculate the historical loss component of the allowance.

·Pass: includes credits that demonstrate a low probability of default;

·Pass-Watch: a warning classification which includes credits that are beginning to demonstrate above average risk through declining earnings, strained cash flows, increased leverage and/or weakening market fundamentals;

·Special mention: includes credits that have potential weaknesses that if left uncorrected could weaken the credit or result in inadequate protection of the Company’s position at some future date. While potentially weak, credits in this classification are marginally acceptable and loss of principal or interest is not anticipated;

·Substandard accrual: includes credits that exhibit a well-defined weakness which currently jeopardizes the repayment of debt and liquidation of collateral even though they are currently performing. These credits are characterized by the distinct possibility that the Company may incur a loss in the future if these weaknesses are not corrected;

·Non-accrual: (substandard non-accrual, doubtful, loss): includes credits that demonstrate serious problems to the point that it is probable that interest and principal will not be collected according to the contractual terms of the loan agreement.

All loans, at the time of presentation to the appropriate loan committee, are given an initial loan risk rating by the Chief Credit Officer (“CCO”). From time to time, and at the general direction of any of the various loan committees, the ratings may be changed based on the findings of that committee. Items considered in assigning ratings include the financial strength of the borrower and/or guarantors, the type of collateral, the collateral lien position, the type of loan and loan structure, any potential risk inherent in the specific loan type, higher than normal monitoring of the loan or any other factor deemed appropriate by any of the various committees for changing the rating of the loan. Any such change in rating is reflected in the minutes of that committee.

The following tables present risk ratings for each loan portfolio segment at December 31, 2013 and 2012, excluding LHFS.

As of December 31, 2013
 
  
  
Special
  
  
  
 
(In thousands)
 
Pass
  
Pass-Watch
  
Mention
  
Substandard
  
Non-accrual
  
Total
 
Commercial real estate
 
$
99,525
  
$
32,267
  
$
11,572
  
$
2,604
  
$
2,325
  
$
148,293
 
Construction and land development
  
14,677
   
16,270
   
11,095
   
569
   
2,650
   
45,261
 
Commercial & industrial
  
50,478
   
10,508
   
5,735
   
9,239
   
3,629
   
79,589
 
Multi-family
  
10,792
   
410
   
535
   
-
   
-
   
11,737
 
Residential real estate
  
24,903
   
-
   
-
   
-
   
632
   
25,535
 
Leases
  
41,325
   
485
   
247
   
-
   
467
   
42,524
 
Tax certificates
  
12,262
   
-
   
-
   
-
   
454
   
12,716
 
Consumer
  
750
   
76
   
-
   
-
   
-
   
826
 
Total LHFI
 
$
254,712
  
$
60,016
  
$
29,184
  
$
12,412
  
$
10,157
  
$
366,481
 
 
As of December 31, 2012
 
  
  
Special
  
  
  
 
(In thousands)
 
Pass
  
Pass-Watch
  
Mention
  
Substandard
  
Non-accrual
  
Total
 
Commercial real estate
 
$
64,308
  
$
69,510
  
$
19,529
  
$
3,423
  
$
10,345
  
$
167,115
 
Construction and land development
  
2,139
   
13,872
   
16,343
   
581
   
4,280
   
37,215
 
Commercial & industrial
  
14,764
   
10,774
   
92
   
9,969
   
4,961
   
40,560
 
Multi-family
  
9,019
   
2,034
   
703
   
-
   
-
   
11,756
 
Residential real estate
  
15,125
   
6,634
   
602
   
1,626
   
994
   
24,981
 
Leases
  
36,755
   
325
   
16
   
-
   
251
   
37,347
 
Tax certificates
  
23,968
   
-
   
-
   
-
   
601
   
24,569
 
Consumer
  
926
   
213
   
-
   
-
   
-
   
1,139
 
Subtotal LHFI
  
167,004
   
103,362
   
37,285
   
15,599
   
21,432
   
344,682
 
Less: Deferred loan fees
                      
(517
)
Total LHFI
                     
$
344,165
 

The following tables are an aging analysis of past due payments for each loan portfolio segment at December 31, 2013 and 2012, excluding LHFS.

As of December 31, 2013
 
30-59 Days
  
60-89 Days
  
Accruing
  
Total
  
  
 
(In thousands)
 
Past Due
  
Past Due
  
90+ Days
  
Non-accrual
  
Current
  
Total
 
Commercial real estate
 
$
996
  
$
-
  
$
-
  
$
2,325
  
$
144,972
  
$
148,293
 
Construction and land development
  
-
   
-
   
-
   
2,650
   
42,611
   
45,261
 
Commercial & industrial
  
115
   
49
   
-
   
3,629
   
75,796
   
79,589
 
Multi-family
  
-
   
-
   
-
   
-
   
11,737
   
11,737
 
Residential real estate
  
458
   
262
   
-
   
632
   
24,183
   
25,535
 
Leases
  
485
   
247
   
-
   
467
   
41,325
   
42,524
 
Tax certificates
  
-
   
-
   
-
   
454
   
12,262
   
12,716
 
Consumer
  
-
   
-
   
-
   
-
   
826
   
826
 
Total LHFI
 
$
2,054
  
$
558
  
$
-
  
$
10,157
  
$
353,712
  
$
366,481
 

As of December 31, 2012
 
30-59 Days
  
60-89 Days
  
Accruing
  
Total
  
  
 
(In thousands)
 
Past Due
  
Past Due
  
90+ Days
  
Non-accrual
  
Current
  
Total
 
Commercial real estate
 
$
1,548
  
$
1,486
  
$
-
  
$
10,345
  
$
153,736
  
$
167,115
 
Construction and land development
  
-
   
-
   
-
   
4,280
   
32,935
   
37,215
 
Commercial & industrial
  
200
   
-
   
-
   
4,961
   
35,399
   
40,560
 
Multi-family
  
-
   
-
   
-
   
-
   
11,756
   
11,756
 
Residential real estate
  
562
   
486
   
-
   
994
   
22,939
   
24,981
 
Leases
  
325
   
16
   
-
   
251
   
36,755
   
37,347
 
Tax certificates
  
-
   
-
   
-
   
601
   
23,968
   
24,569
 
Consumer
  
-
   
-
   
-
   
-
   
1,139
   
1,139
 
Subtotal LHFI
  
2,635
   
1,988
   
-
   
21,432
   
318,627
   
344,682
 
Less: Deferred loan fees
                      
(517
)
Total LHFI
                     
$
344,165
 
 
The following table details the composition of the non-accrual loans.

 
 
As of December 31, 2013
  
As of December 31, 2012
 
(In thousands)
 
Loan
balance
  
Specific
reserves
  
Loan
balance
  
Specific
reserves
 
Non-accrual loans held for investment
 
  
  
  
 
Commercial real estate
 
$
2,325
  
$
331
  
$
10,345
  
$
835
 
Construction and land development
  
2,650
   
-
   
4,280
   
820
 
Commercial & industrial
  
3,629
   
452
   
4,961
   
255
 
Residential real estate
  
632
   
19
   
994
   
14
 
Leases
  
467
   
60
   
251
   
55
 
Tax certificates
  
454
   
24
   
601
   
47
 
Total non-accrual LHFI
 
$
10,157
  
$
886
  
$
21,432
  
$
2,026
 
Non-accrual loans held for sale
                
Commercial real estate
 
$
-
  
$
-
  
$
1,572
  
$
-
 
Total non-accrual LHFS
 
$
-
  
$
-
  
$
1,572
  
$
-
 
Total non-accrual loans
 
$
10,157
  
$
886
  
$
23,004
  
$
2,026
 

Total non-accrual loans at December 31, 2013 were $10.2 million in LHFI.  Total non-accrual loans at December 31, 2012 were $23.0 million and were comprised of $21.4 million in LHFI and $1.6 million in LHFS.  The $12.8 million decline in total non-accrual loans was the result of a $13.2 million reduction in existing non-accrual loan balances through payments or payoffs, $4.0 million in charge-offs and write downs related to impairment, and transfers to OREO of $9.1 million, which collectively were offset by $13.5 million in additions. The majority of the new non-accrual activity and transfers to OREO originated from the tax certificate portfolio.  Commercial, construction and land development, and commercial real estate loans represent 36%, 26%, and 23%, respectively, of the total $10.2 million in non-accrual loans at December 31, 2013.  If interest had been accrued, such income would have been approximately $1.7 million and $3.1 million for the years ended December 31, 2013 and 2012, respectively. At December 31, 2013, the Company had no loans past due 90 days or more on which interest continues to accrue.

Impaired Loans

The Company identifies a loan as impaired when it is probable that interest and principal will not be collected according to the contractual terms of the loan agreement.  Impaired loans include TDRs. The Company does not accrue interest income on impaired non-accrual loans. Excess proceeds received over the principal amounts due on impaired non-accrual loans are recognized as income on a cash basis. The Company recognizes income under the accrual basis when the principal payments on the loans become current and the collateral on the loan is sufficient to cover the outstanding obligation to the Company.  If these factors do not exist, the Company does not recognize income.
 
Total cash collected on impaired loans and leases during 2013 and 2012 was $16.1 million and $23.4 million, respectively, of which $15.3 million and $21.1 million was credited to the principal balance outstanding on such loans, respectively.
 
The following is a summary of information pertaining to impaired loans:

 
 
As of December 31,
 
(In thousands)
 
2013
  
2012
 
Impaired LHFI with a valuation allowance
 
$
3,835
  
$
9,405
 
Impaired LHFI without a valuation allowance
  
14,671
   
19,423
 
Impaired LHFS
  
-
   
1,572
 
Total impaired loans and leases
 
$
18,506
  
$
30,400
 
Valuation allowance related to impaired LHFI
 
$
886
  
$
2,026
 
 
 
 
For the years ended December 31,
 
(In thousands)
  
2013
   
2012
 
Average investment in impaired loans and leases
 
$
24,714
  
$
39,412
 
Interest income recognized on impaired loans and leases
 
$
559
  
$
366
 
Interest income recognized on a cash basis on impaired loans and leases
 
$
27
  
$
66
 

Troubled Debt Restructurings

At December 31, 2013, the Company had twelve TDRs, of which five are on non-accrual status, with a total carrying value of $12.1 million.  At the time of the modifications, five of the loans were already classified as impaired loans.   At December 31, 2012, the Company had twelve TDRs, of which eight were on non-accrual status, with a total carrying value of $21.1 million.  At the time of the modifications, eight of the loans were already classified as impaired loans.   The Company’s policy for TDRs is to recognize interest income on currently performing restructured loans under the accrual method.  The TDR balances are included in the impaired loan totals presented above.
 
The following table details the Company’s TDRs that are on an accrual status and a non-accrual status at December 31, 2013 and 2012.

 
 
As of December 31, 2013
 
(In thousands)
 
Number of
loans
  
Accrual
Status
  
Non-Accrual
Status
  
Total TDRs
 
Commercial real estate
  
3
  
$
3,847
  
$
-
  
$
3,847
 
Construction and land development
  
4
   
1,257
   
479
   
1,736
 
Commercial & industrial
  
3
   
4,420
   
1,960
   
6,380
 
Residential real estate
  
2
   
-
   
121
   
121
 
Total
  
12
  
$
9,524
  
$
2,560
  
$
12,084
 
 
 
 
As of December 31, 2012
 
(In thousands)
 
Number of
loans
  
Accrual
Status
  
Non-Accrual
Status
  
Total TDRs
 
Commercial real estate
  
4
  
$
1,664
  
$
854
  
$
2,518
 
Construction and land development
  
4
   
613
   
10,063
   
10,676
 
Commercial & industrial
  
2
   
5,290
   
2,457
   
7,747
 
Residential real estate
  
2
   
-
   
149
   
149
 
Total
  
12
  
$
7,567
  
$
13,523
  
$
21,090
 
 
At December 31, 2013, all of the TDRs were in compliance with their restructured terms.

The following table presents newly restructured loans that occurred during the years ended December 31, 2013 and 2012.

 
 
Modifications by type for the year ended December 31, 2013
 
(Dollars in thousands)
 
Number of
 loans
  
Rate
  
Term
  
Payment
  
Combination
of types
  
Total
  
Pre-
Modification Outstanding
Recorded
Investment
  
Post-
Modification Outstanding
Recorded
Investment
 
Commercial real estate
  
2
  
$
-
  
$
-
  
$
-
  
$
3,705
  
$
3,705
  
$
3,761
  
$
3,761
 
Commercial & industrial
  
1
   
-
   
-
   
-
   
82
   
82
   
87
   
87
 
Total
  
3
  
$
-
  
$
-
  
$
-
  
$
3,787
  
$
3,787
  
$
3,848
  
$
3,848
 

 
 
Modifications by type for the year ended December 31, 2012
 
(Dollars in thousands)
 
Number of
loans
  
Rate
  
Term
  
Payment
  
Combination
of types
  
Total
  
Pre-
Modification Outstanding
Recorded
Investment
  
Post-
Modification Outstanding
Recorded
Investment
 
Commercial real estate
  
2
  
$
-
  
$
-
  
$
-
  
$
7,624
  
$
7,624
  
$
9,426
  
$
9,426
 
Construction and land development
  
1
   
-
   
-
   
-
   
282
   
282
   
290
   
290
 
Commercial & industrial
  
1
   
-
   
-
   
5,290
   
-
   
5,290
   
5,290
   
5,290
 
Total
  
4
  
$
-
  
$
-
  
$
5,290
  
$
7,906
  
$
13,196
  
$
15,006
  
$
15,006
 
 
XML 80 R23.htm IDEA: XBRL DOCUMENT v2.4.0.8
PENSION PLANS
 12 Months Ended
Dec. 31, 2013
PENSION PLANS [Abstract]  
PENSION PLANS
NOTE 16 - PENSION PLANS

The Company has a noncontributory nonqualified defined benefit pension plan covering certain eligible employees. The Company-sponsored pension plan provides retirement benefits under pension trust agreements. The benefits are based on years of service and the employee’s compensation during the highest three consecutive years during the last 10 years of employment.  The Company accounts for its pension in accordance with FASB ASC Topic 715 “Compensation-Retirement Benefits” (“ASC Topic 715”).  ASC Topic 715 requires the recognition of a plan’s over-funded or under-funded status as an asset or liability with an offsetting adjustment to AOCI.  ASC Topic 715 requires the determination of the fair values of plans assets at a company’s year-end and recognition of actuarial gains and losses, prior service costs or credits, and transition assets or obligations as a component of AOCI.  These amounts will be subsequently recognized as components of net periodic benefits cost.  Further, actuarial gains and losses that arise in subsequent periods that are not initially recognized as a component of net periodic benefit cost will be recognized as a component of AOCI.  Those amounts will subsequently be recognized as a component of net periodic benefit cost as they are amortized during future periods.

The following table sets forth the plan’s funded status and amounts recognized in the Company’s consolidated balance sheets:

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
Change in benefit obligation
 
  
 
Benefit obligation at beginning of year
 
$
16,897
  
$
14,942
 
Service cost
  
81
   
272
 
Interest cost
  
623
   
584
 
Benefits paid
  
(981
)
  
(556
)
Actuarial (gain) loss
  
(2,132
)
  
1,655
 
Benefits obligation at end of year
 
$
14,488
  
$
16,897
 
Unrecognized prior service cost
  
179
   
269
 
Unrecognized actuarial loss
  
2,750
   
5,119
 
 
 
$
2,929
  
$
5,388
 

The accumulated benefit obligation at December 31, 2013 and 2012 was $14.5 million and $16.6 million, respectively.

The table below reflects the assumptions used to determine the benefit obligations:
 
 
 
As of December 31,
 
 
 
2013
  
2012
 
Discount rate
  
4.37
%
  
3.25
%
Rate of compensation increase
  
4.00
%
  
4.00
%
 
The table below reflects the assumptions used to determine the net periodic pension cost:

 
 
For the years ended December 31,
 
 
 
2013
  
2012
 
Discount rate
  
4.37
%
  
4.00
%
Rate of compensation increase
  
4.00
%
  
4.00
%

Net pension cost included the following components:

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
Service cost
 
$
81
  
$
272
 
Interest cost
  
623
   
584
 
Amortization prior service cost
  
90
   
90
 
Amortization net actuarial loss
  
238
   
381
 
Net periodic benefit cost
 
$
1,032
  
$
1,327
 

Benefit payments to be made from the Non-qualified Pension Plan are as follows:

 
 
As of December 31, 2013
 
 
 
Non-Qualified
 
(In thousands)
 
Pension Plans
 
2014
 
$
970
 
2015
  
987
 
2016
  
1,015
 
2017
  
1,015
 
2018
  
1,015
 
Next  five years thereafter
  
5,610
 

Benefit payments are expected to be made from insurance policies owned by the Company.  The cash surrender value for these policies was approximately $3.4 million and $3.3 million as of December 31, 2013 and 2012, respectively.

Defined Contribution Plan

The Company has a capital accumulation and salary reduction plan under Section 401(k) of the Internal Revenue Code of 1986, as amended.  Under the plan, all employees are eligible to contribute up to the maximum allowed by IRS regulation, with the Company matching dollar for dollar of any contribution up to 5%, which is subject to a $2,500 per employee annual limit.  During 2013 and 2012, no matching contribution was made as a result of a management decision to reduce costs.
 
XML 81 R19.htm IDEA: XBRL DOCUMENT v2.4.0.8
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK AND CONCENTRATIONS OF CREDIT RISK
 12 Months Ended
Dec. 31, 2013
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK AND CONCENTRATIONS OF CREDIT RISK [Abstract]  
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK AND CONCENTRATIONS OF CREDIT RISK
NOTE 12 - FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK AND CONCENTRATIONS OF CREDIT RISK

The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers and to reduce its own exposure to fluctuations in interest rates.  These financial instruments include commitments to extend credit and standby letters of credit.  Such financial instruments are recorded in the financial statements when they become payable.  Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets.  The contract amounts of those instruments reflect the extent of involvement the Company has in particular classes of financial instruments.

The Company’s exposure to credit loss in the event of non-performance by the other party to commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments.  The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments.

The contract amounts are as follows:

 
 
As of December 31,
 
(In thousands)
 
2013
  
2012
 
Financial instruments whose contract amounts represent credit risk
 
  
 
Open-end lines of credit
 
$
21,182
  
$
20,515
 
Commitments to extend credit
  
200
   
24,030
 
Standby letters of credit and financial guarantees written
  
2,679
   
1,199
 

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee.  Since many of the commitments are expected to expire without being drawn upon, and others are for staged construction, the total commitment amounts do not necessarily represent immediate cash requirements.

The Company evaluates each customer’s creditworthiness on a case-by-case basis.  The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation.  Collateral held varies but may include personal or commercial real estate, accounts receivable, inventory or equipment.

Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party.  Those guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing and similar transactions.  Most guarantees extend for one year and expire in decreasing amounts through August 2016.  The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers.  The Company holds personal or commercial real estate, accounts receivable, inventory or equipment as collateral supporting those commitments for which collateral is deemed necessary.  The extent of collateral held for those commitments is approximately 75%.
 
XML 82 R15.htm IDEA: XBRL DOCUMENT v2.4.0.8
LEASE COMMITMENTS
 12 Months Ended
Dec. 31, 2013
LEASE COMMITMENTS [Abstract]  
LEASE COMMITMENTS
NOTE 8 - LEASE COMMITMENTS

The Company leases various premises under operating lease agreements, which expire through 2024 and require minimum annual rentals.  Some of these leases are cancelable.  The approximate minimum rental commitments under the leases are as follows for the year ended December 31, 2013:

 
 
As of
 
(In thousands)
 
December 31, 2013
 
2014
 
$
858
 
2015
  
874
 
2016
  
886
 
2017
  
860
 
2018
  
818
 
Thereafter
  
2,070
 
Total lease commitments
 
$
6,366
 

The leases contain options to extend for periods from one to ten years.  The cost of such lease extensions is not included in the above table.  Rental expense for all leases was approximately $785,000 and $795,000 for the years ended December 31, 2013 and 2012, respectively.  Lease expense will increase in 2014 due to the relocations of two retail offices from Company owned real estate to leased real estate.
 
XML 83 R60.htm IDEA: XBRL DOCUMENT v2.4.0.8
ALLOWANCE FOR LOAN AND LEASE LOSSES - Loans that were Evaluated for Impairment by Loan Segment (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Unpaid principal balance [Abstract]    
With no related allowance recorded $ 21,151 $ 25,029
With an allowance recorded 9,315 25,075
Recorded investment [Abstract]    
With no related allowance recorded 14,671 19,423
With an allowance recorded 3,835 9,405
Related allowance [Abstract]    
Related allowance 886 2,026
Average recorded investment [Abstract]    
With no related allowance recorded 18,100 28,620
With an allowance recorded 5,655 4,602
Interest income recognized [Abstract]    
With no related allowance recorded 559 359
With an allowance recorded 0 7
Construction and Land Development [Member]
    
Unpaid principal balance [Abstract]    
With no related allowance recorded 9,850 6,250
With an allowance recorded 0 6,180
Recorded investment [Abstract]    
With no related allowance recorded 3,907 3,464
With an allowance recorded 0 2,479
Related allowance [Abstract]    
Related allowance 0 820
Average recorded investment [Abstract]    
With no related allowance recorded 3,933 10,059
With an allowance recorded 381 923
Interest income recognized [Abstract]    
With no related allowance recorded 209 187
With an allowance recorded 0 0
Commercial Real Estate [Member]
    
Unpaid principal balance [Abstract]    
With no related allowance recorded 4,429 10,417
With an allowance recorded 1,435 4,136
Recorded investment [Abstract]    
With no related allowance recorded 4,158 8,623
With an allowance recorded 1,435 2,335
Related allowance [Abstract]    
Related allowance 331 835
Average recorded investment [Abstract]    
With no related allowance recorded 7,956 11,163
With an allowance recorded 1,879 1,526
Interest income recognized [Abstract]    
With no related allowance recorded 73 78
With an allowance recorded 0 0
Commercial and Industrial [Member]
    
Unpaid principal balance [Abstract]    
With no related allowance recorded 6,693 7,790
With an allowance recorded 2,592 9,585
Recorded investment [Abstract]    
With no related allowance recorded 6,491 6,820
With an allowance recorded 1,290 3,431
Related allowance [Abstract]    
Related allowance 452 255
Average recorded investment [Abstract]    
With no related allowance recorded 5,960 5,545
With an allowance recorded 2,456 682
Interest income recognized [Abstract]    
With no related allowance recorded 250 73
With an allowance recorded 0 0
Residential Real Estate [Member]
    
Unpaid principal balance [Abstract]    
With no related allowance recorded 0 572
With an allowance recorded 827 685
Recorded investment [Abstract]    
With no related allowance recorded 0 516
With an allowance recorded 631 478
Related allowance [Abstract]    
Related allowance 19 14
Average recorded investment [Abstract]    
With no related allowance recorded 84 490
With an allowance recorded 492 714
Interest income recognized [Abstract]    
With no related allowance recorded 27 21
With an allowance recorded 0 7
Multi Family [Member]
    
Unpaid principal balance [Abstract]    
With no related allowance recorded   0
With an allowance recorded   0
Recorded investment [Abstract]    
With no related allowance recorded   0
With an allowance recorded   0
Related allowance [Abstract]    
Related allowance   0
Average recorded investment [Abstract]    
With no related allowance recorded   780
With an allowance recorded   383
Interest income recognized [Abstract]    
With no related allowance recorded   0
With an allowance recorded   0
Leases [Member]
    
Unpaid principal balance [Abstract]    
With an allowance recorded 139 81
Recorded investment [Abstract]    
With an allowance recorded 139 81
Related allowance [Abstract]    
Related allowance 60 55
Average recorded investment [Abstract]    
With an allowance recorded 106 86
Interest income recognized [Abstract]    
With an allowance recorded 0 0
Tax Certificates [Member]
    
Unpaid principal balance [Abstract]    
With no related allowance recorded 179 0
With an allowance recorded 4,322 4,408
Recorded investment [Abstract]    
With no related allowance recorded 115 0
With an allowance recorded 340 601
Related allowance [Abstract]    
Related allowance 24 47
Average recorded investment [Abstract]    
With no related allowance recorded 167 583
With an allowance recorded 341 288
Interest income recognized [Abstract]    
With no related allowance recorded 0 0
With an allowance recorded $ 0 $ 0
XML 84 R13.htm IDEA: XBRL DOCUMENT v2.4.0.8
OTHER REAL ESTATE OWNED
 12 Months Ended
Dec. 31, 2013
OTHER REAL ESTATE OWNED [Abstract]  
OTHER REAL ESTATE OWNED
NOTE 6 – OTHER REAL ESTATE OWNED

OREO declined $3.8 million from $13.4 million at December 31, 2012 to $9.6 million at December 31, 2013.  During 2013 there was a shift in OREO composition from real estate acquired through, or in lieu of foreclosure in settlement of loans to real estate acquired through foreclosure related to tax liens.  Set forth below is a table which details the changes in OREO from December 31, 2012 to December 31, 2013.

 
 
For the year ended December 31, 2013
 
(In thousands)
 
Loans
  
Tax Liens
  
Total
 
Beginning balance
 
$
11,365
  
$
2,070
  
$
13,435
 
Net proceeds from sales
  
(8,869
)
  
(3,910
)
  
(12,779
)
Net gain on sales
  
228
   
1,199
   
1,427
 
Assets acquired on non-accrual loans
  
100
   
8,951
   
9,051
 
Impairment charge
  
(1,099
)
  
(418
)
  
(1,517
)
Ending balance
 
$
1,725
  
$
7,892
  
$
9,617
 

At December 31, 2013, OREO was comprised of $7.9 million in tax liens, $769,000 in land, $521,000 in commercial real estate, and a residential condominium project with a fair value of $435,000.  During 2013 the Company sold five separate land parcels and sold residential real estate properties related to five loan relationships. The Company received $6.0 million in net proceeds and recorded a net loss of $194,000 as a result of these sales.  Additionally, the Company sold a commercial real estate property, which was a hotel construction project in Minneapolis, Minnesota in which the Company was a participant. The Company received its pro rata share of net proceeds in the amount of $2.5 million and recorded a net gain of $262,000.  The Company also sold 42 condominiums related to the construction project in Minneapolis, Minnesota. The Company received its pro rata share of net proceeds in the amount of $330,000 and recorded net gains of $160,000.  During 2013 the Company recorded impairment charges of $628,000 on three land properties.  Due to the length of time that these properties have been classified as OREO and the inability to close on prior agreements of sales, the Company decided to a make a steep reduction in the selling prices of these three properties.  In addition the Company recorded impairment charges of $325,000 and $146,000 related to commercial real estate and residential real estate properties due to updated annual appraisals or agreements of sale.

In 2013 as the composition of the OREO assets evolved to properties acquired through the tax lien portfolio, the Company transferred $9.0 million to OREO which represents 84 separate properties.  During 2013, the Company sold 49 of the tax lien properties, received proceeds of $3.9 million, and recorded net gains of $1.2 million as a result of these sales. Additionally, the Company recorded impairment charges of $418,000 in 2013 related to the tax lien properties.  At December 31, 2012, OREO assets acquired through the tax lien portfolio were $2.1 million and were comprised of 30 properties.

The Company is working to satisfactorily sell the remaining OREO properties.  However the Company recognizes that the successful disposition of the properties, specifically the land, will likely take considerable time.
 
XML 85 R14.htm IDEA: XBRL DOCUMENT v2.4.0.8
PREMISES AND EQUIPMENT
 12 Months Ended
Dec. 31, 2013
PREMISES AND EQUIPMENT [Abstract]  
PREMISES AND EQUIPMENT
NOTE 7 - PREMISES AND EQUIPMENT

 
  
 
As of December 31,
 
(In thousands)
Estimated Useful Lives
 
2013
  
2012
 
Land
 
 
$
2,200
  
$
2,396
 
Buildings and leasehold improvements
5 - 39 years
  
6,225
   
7,554
 
Furniture, fixtures and equipment
3 - 7 years
  
7,006
   
6,667
 
 
 
  
15,431
   
16,617
 
Less accumulated depreciation and amortization
 
  
(10,956
)
  
(11,385
)
Premises and equipment, net
 
 
$
4,475
  
$
5,232
 

Depreciation and amortization expense related to premises and equipment was approximately $451,000 and $417,000, for the years ended 2013 and 2012, respectively.  During 2013, pursuant to the real estate rationalization plan under PIP, the Company sold four Company owned properties with a carrying value of $674,000 and recorded $2.5 million in gains on the sales.  See “Note 2 – Regulatory Matters and Significant Risks and Uncertainties” to the Consolidated Financial Statements for additional information on PIP.
XML 86 R16.htm IDEA: XBRL DOCUMENT v2.4.0.8
DEPOSITS
 12 Months Ended
Dec. 31, 2013
DEPOSITS [Abstract]  
DEPOSITS
NOTE 9 – DEPOSITS

Deposits are summarized as follows:

 
 
As of December 31,
 
(In thousands)
 
2013
  
2012
 
Demand
 
$
60,473
  
$
58,531
 
NOW
  
45,375
   
43,920
 
Money Market
  
164,678
   
179,359
 
Savings
  
17,593
   
17,472
 
Time deposits (over $100)
  
92,763
   
91,233
 
Time deposits (under $100)
  
148,082
   
164,402
 
Total deposits
 
$
528,964
  
$
554,917
 

Maturities of time deposits for the next five years and thereafter are as follows:

 
 
As of
 
(In thousands)
 
December 31, 2013
 
2014
 
$
117,181
 
2015
  
88,948
 
2016
  
11,997
 
2017
  
5,373
 
2018
  
3,204
 
Thereafter
  
14,142
 
Total certificates of deposit
 
$
240,845
 
XML 87 R64.htm IDEA: XBRL DOCUMENT v2.4.0.8
DEPOSITS (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
DEPOSITS [Abstract]    
Demand $ 60,473 $ 58,531
NOW 45,375 43,920
Money Market 164,678 179,359
Savings 17,593 17,472
Time deposits (over $100) 92,763 91,233
Time deposits (under $100) 148,082 164,402
Total deposits 528,964 554,917
Maturities of time deposits for the next five years and thereafter [Abstract]    
2014 117,181  
2015 88,948  
2016 11,997  
2017 5,373  
2018 3,204  
Thereafter 14,142  
Total certificates of deposits $ 240,845  
XML 88 R66.htm IDEA: XBRL DOCUMENT v2.4.0.8
BORROWINGS AND SUBORDINATED DEBENTURES, Subordinated Debentures (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Affiliate
Subordinated Debentures [Line Items]  
Number of Delaware trust affiliates 2
Interest payment in arrears on trust preferred securities that was paid $ 3,100,000
Interest penalty on trust preferred securities 174,000
Trust Preferred Securities [Member]
  
Subordinated Debentures [Line Items]  
Aggregate principal amount 25,000,000
Description of variable rate basis 3-month LIBOR
Trust Preferred Securities [Member] | Trust I [Member]
  
Subordinated Debentures [Line Items]  
Aggregate principal amount 12,500,000
Junior subordinated debenture owed to unconsolidated subsidiary trust 12,900,000
Debt securities interest rate (in hundredths) 2.39%
Trust preferred securities basis spread on variable rate (in hundredths) 2.15%
Trust Preferred Securities [Member] | Trust II [Member]
  
Subordinated Debentures [Line Items]  
Aggregate principal amount 12,500,000
Junior subordinated debenture owed to unconsolidated subsidiary trust 12,900,000
Debt securities interest rate (in hundredths) 2.39%
Trust preferred securities basis spread on variable rate (in hundredths) 2.15%
Common Securities [Member] | Trust I [Member]
  
Subordinated Debentures [Line Items]  
Aggregate principal amount 387,000
Common Securities [Member] | Trust II [Member]
  
Subordinated Debentures [Line Items]  
Aggregate principal amount $ 387,000
XML 89 R63.htm IDEA: XBRL DOCUMENT v2.4.0.8
LEASE COMMITMENTS (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Store
Dec. 31, 2012
Minimum rental commitments under the leases    
Lease expiration date Dec. 31, 2024  
2014 $ 858,000  
2015 874,000  
2016 886,000  
2017 860,000  
2018 818,000  
Thereafter 2,070,000  
Total lease commitments 6,366,000  
Rent expense $ 785,000 $ 795,000
Number of retail offices relocated 2  
Option to extend lease period minimum 1 year  
Option to extend lease period maximum 10 years  
XML 90 R34.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS AND LEASES (Tables)
 12 Months Ended
Dec. 31, 2013
LOANS AND LEASES [Abstract]  
Major classifications of loans held for investment
Major classifications of LHFI are as follows:

 
 
As of December 31,
 
(In thousands)
 
2013
  
2012
 
Commercial real estate
 
$
148,293
  
$
167,115
 
Construction and land development
  
45,261
   
37,215
 
Commercial and industrial
  
79,589
   
40,560
 
Multi-family
  
11,737
   
11,756
 
Residential real estate
  
25,535
   
24,981
 
Leases
  
42,524
   
37,347
 
Tax certificates
  
12,716
   
24,569
 
Consumer
  
826
   
1,139
 
 
  
366,481
   
344,682
 
Less: Deferred loan fees, net*
  
-
   
(517
)
Total LHFI, net of unearned income
 
$
366,481
  
$
344,165
 

*For the 2013 period net deferred fees were allocated among the various loan types.
Risk ratings for each loan portfolio segment
The following tables present risk ratings for each loan portfolio segment at December 31, 2013 and 2012, excluding LHFS.

As of December 31, 2013
 
  
  
Special
  
  
  
 
(In thousands)
 
Pass
  
Pass-Watch
  
Mention
  
Substandard
  
Non-accrual
  
Total
 
Commercial real estate
 
$
99,525
  
$
32,267
  
$
11,572
  
$
2,604
  
$
2,325
  
$
148,293
 
Construction and land development
  
14,677
   
16,270
   
11,095
   
569
   
2,650
   
45,261
 
Commercial & industrial
  
50,478
   
10,508
   
5,735
   
9,239
   
3,629
   
79,589
 
Multi-family
  
10,792
   
410
   
535
   
-
   
-
   
11,737
 
Residential real estate
  
24,903
   
-
   
-
   
-
   
632
   
25,535
 
Leases
  
41,325
   
485
   
247
   
-
   
467
   
42,524
 
Tax certificates
  
12,262
   
-
   
-
   
-
   
454
   
12,716
 
Consumer
  
750
   
76
   
-
   
-
   
-
   
826
 
Total LHFI
 
$
254,712
  
$
60,016
  
$
29,184
  
$
12,412
  
$
10,157
  
$
366,481
 
 
As of December 31, 2012
 
  
  
Special
  
  
  
 
(In thousands)
 
Pass
  
Pass-Watch
  
Mention
  
Substandard
  
Non-accrual
  
Total
 
Commercial real estate
 
$
64,308
  
$
69,510
  
$
19,529
  
$
3,423
  
$
10,345
  
$
167,115
 
Construction and land development
  
2,139
   
13,872
   
16,343
   
581
   
4,280
   
37,215
 
Commercial & industrial
  
14,764
   
10,774
   
92
   
9,969
   
4,961
   
40,560
 
Multi-family
  
9,019
   
2,034
   
703
   
-
   
-
   
11,756
 
Residential real estate
  
15,125
   
6,634
   
602
   
1,626
   
994
   
24,981
 
Leases
  
36,755
   
325
   
16
   
-
   
251
   
37,347
 
Tax certificates
  
23,968
   
-
   
-
   
-
   
601
   
24,569
 
Consumer
  
926
   
213
   
-
   
-
   
-
   
1,139
 
Subtotal LHFI
  
167,004
   
103,362
   
37,285
   
15,599
   
21,432
   
344,682
 
Less: Deferred loan fees
                      
(517
)
Total LHFI
                     
$
344,165
 
Aging analysis of past due payments for each loan portfolio segment
The following tables are an aging analysis of past due payments for each loan portfolio segment at December 31, 2013 and 2012, excluding LHFS.

As of December 31, 2013
 
30-59 Days
  
60-89 Days
  
Accruing
  
Total
  
  
 
(In thousands)
 
Past Due
  
Past Due
  
90+ Days
  
Non-accrual
  
Current
  
Total
 
Commercial real estate
 
$
996
  
$
-
  
$
-
  
$
2,325
  
$
144,972
  
$
148,293
 
Construction and land development
  
-
   
-
   
-
   
2,650
   
42,611
   
45,261
 
Commercial & industrial
  
115
   
49
   
-
   
3,629
   
75,796
   
79,589
 
Multi-family
  
-
   
-
   
-
   
-
   
11,737
   
11,737
 
Residential real estate
  
458
   
262
   
-
   
632
   
24,183
   
25,535
 
Leases
  
485
   
247
   
-
   
467
   
41,325
   
42,524
 
Tax certificates
  
-
   
-
   
-
   
454
   
12,262
   
12,716
 
Consumer
  
-
   
-
   
-
   
-
   
826
   
826
 
Total LHFI
 
$
2,054
  
$
558
  
$
-
  
$
10,157
  
$
353,712
  
$
366,481
 

As of December 31, 2012
 
30-59 Days
  
60-89 Days
  
Accruing
  
Total
  
  
 
(In thousands)
 
Past Due
  
Past Due
  
90+ Days
  
Non-accrual
  
Current
  
Total
 
Commercial real estate
 
$
1,548
  
$
1,486
  
$
-
  
$
10,345
  
$
153,736
  
$
167,115
 
Construction and land development
  
-
   
-
   
-
   
4,280
   
32,935
   
37,215
 
Commercial & industrial
  
200
   
-
   
-
   
4,961
   
35,399
   
40,560
 
Multi-family
  
-
   
-
   
-
   
-
   
11,756
   
11,756
 
Residential real estate
  
562
   
486
   
-
   
994
   
22,939
   
24,981
 
Leases
  
325
   
16
   
-
   
251
   
36,755
   
37,347
 
Tax certificates
  
-
   
-
   
-
   
601
   
23,968
   
24,569
 
Consumer
  
-
   
-
   
-
   
-
   
1,139
   
1,139
 
Subtotal LHFI
  
2,635
   
1,988
   
-
   
21,432
   
318,627
   
344,682
 
Less: Deferred loan fees
                      
(517
)
Total LHFI
                     
$
344,165
 
 
Composition of the non-accrual loans
The following table details the composition of the non-accrual loans.

 
 
As of December 31, 2013
  
As of December 31, 2012
 
(In thousands)
 
Loan
balance
  
Specific
reserves
  
Loan
balance
  
Specific
reserves
 
Non-accrual loans held for investment
 
  
  
  
 
Commercial real estate
 
$
2,325
  
$
331
  
$
10,345
  
$
835
 
Construction and land development
  
2,650
   
-
   
4,280
   
820
 
Commercial & industrial
  
3,629
   
452
   
4,961
   
255
 
Residential real estate
  
632
   
19
   
994
   
14
 
Leases
  
467
   
60
   
251
   
55
 
Tax certificates
  
454
   
24
   
601
   
47
 
Total non-accrual LHFI
 
$
10,157
  
$
886
  
$
21,432
  
$
2,026
 
Non-accrual loans held for sale
                
Commercial real estate
 
$
-
  
$
-
  
$
1,572
  
$
-
 
Total non-accrual LHFS
 
$
-
  
$
-
  
$
1,572
  
$
-
 
Total non-accrual loans
 
$
10,157
  
$
886
  
$
23,004
  
$
2,026
 
Information pertaining to impairment loans
The following is a summary of information pertaining to impaired loans:

 
 
As of December 31,
 
(In thousands)
 
2013
  
2012
 
Impaired LHFI with a valuation allowance
 
$
3,835
  
$
9,405
 
Impaired LHFI without a valuation allowance
  
14,671
   
19,423
 
Impaired LHFS
  
-
   
1,572
 
Total impaired loans and leases
 
$
18,506
  
$
30,400
 
Valuation allowance related to impaired LHFI
 
$
886
  
$
2,026
 
 
 
 
For the years ended December 31,
 
(In thousands)
  
2013
   
2012
 
Average investment in impaired loans and leases
 
$
24,714
  
$
39,412
 
Interest income recognized on impaired loans and leases
 
$
559
  
$
366
 
Interest income recognized on a cash basis on impaired loans and leases
 
$
27
  
$
66
 
Troubled debt restructurings that are on an accrual status and a non-accrual status
The following table details the Company’s TDRs that are on an accrual status and a non-accrual status at December 31, 2013 and 2012.

 
 
As of December 31, 2013
 
(In thousands)
 
Number of
loans
  
Accrual
Status
  
Non-Accrual
Status
  
Total TDRs
 
Commercial real estate
  
3
  
$
3,847
  
$
-
  
$
3,847
 
Construction and land development
  
4
   
1,257
   
479
   
1,736
 
Commercial & industrial
  
3
   
4,420
   
1,960
   
6,380
 
Residential real estate
  
2
   
-
   
121
   
121
 
Total
  
12
  
$
9,524
  
$
2,560
  
$
12,084
 
 
 
 
As of December 31, 2012
 
(In thousands)
 
Number of
loans
  
Accrual
Status
  
Non-Accrual
Status
  
Total TDRs
 
Commercial real estate
  
4
  
$
1,664
  
$
854
  
$
2,518
 
Construction and land development
  
4
   
613
   
10,063
   
10,676
 
Commercial & industrial
  
2
   
5,290
   
2,457
   
7,747
 
Residential real estate
  
2
   
-
   
149
   
149
 
Total
  
12
  
$
7,567
  
$
13,523
  
$
21,090
 
 
Newly restructured loans
The following table presents newly restructured loans that occurred during the years ended December 31, 2013 and 2012.

 
 
Modifications by type for the year ended December 31, 2013
 
(Dollars in thousands)
 
Number of
 loans
  
Rate
  
Term
  
Payment
  
Combination
of types
  
Total
  
Pre-
Modification Outstanding
Recorded
Investment
  
Post-
Modification Outstanding
Recorded
Investment
 
Commercial real estate
  
2
  
$
-
  
$
-
  
$
-
  
$
3,705
  
$
3,705
  
$
3,761
  
$
3,761
 
Commercial & industrial
  
1
   
-
   
-
   
-
   
82
   
82
   
87
   
87
 
Total
  
3
  
$
-
  
$
-
  
$
-
  
$
3,787
  
$
3,787
  
$
3,848
  
$
3,848
 

 
 
Modifications by type for the year ended December 31, 2012
 
(Dollars in thousands)
 
Number of
loans
  
Rate
  
Term
  
Payment
  
Combination
of types
  
Total
  
Pre-
Modification Outstanding
Recorded
Investment
  
Post-
Modification Outstanding
Recorded
Investment
 
Commercial real estate
  
2
  
$
-
  
$
-
  
$
-
  
$
7,624
  
$
7,624
  
$
9,426
  
$
9,426
 
Construction and land development
  
1
   
-
   
-
   
-
   
282
   
282
   
290
   
290
 
Commercial & industrial
  
1
   
-
   
-
   
5,290
   
-
   
5,290
   
5,290
   
5,290
 
Total
  
4
  
$
-
  
$
-
  
$
5,290
  
$
7,906
  
$
13,196
  
$
15,006
  
$
15,006
 
 
XML 91 R51.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF QUARTERLY RESULTS (UNAUDITED) (Tables)
 12 Months Ended
Dec. 31, 2013
SUMMARY OF QUARTERLY RESULTS (UNAUDITED) [Abstract]  
Summary of the Consolidated Results of Operations on a Quarterly Basis
The following summarizes the consolidated results of operations during 2013 and 2012, on a quarterly basis, for the Company:

 
 
For the year ended December 31, 2013
 
(In thousands, except per share data)
 
Fourth
Quarter
  
Third
Quarter
  
Second
Quarter
  
First
Quarter
 
Interest income
 
$
7,069
  
$
6,960
  
$
6,743
  
$
6,752
 
Net interest income
  
5,379
   
5,070
   
4,946
   
4,772
 
(Credit) provision for loan and lease losses
  
(676
)
  
218
   
(163
)
  
(251
)
Net interest income after provision
  
6,055
   
4,852
   
5,109
   
5,023
 
Other income
  
2,558
   
1,937
   
961
   
1,408
 
Other expenses
  
6,333
   
6,290
   
7,567
   
6,140
 
Income (loss) before income tax
  
2,280
   
499
   
(1,497
)
  
291
 
Income tax expense
  
42
   
-
   
-
   
-
 
Net income (loss) from continuing operations
 
$
2,238
  
$
499
  
$
(1,497
)
 
$
291
 
Less net (loss) income attributable to noncontrolling interest
  
(214
)
  
157
   
(694
)
  
173
 
Net income (loss) attributable to Royal Bancshares of Pennsylavania, Inc.
 
$
2,452
  
$
342
  
$
(803
)
 
$
118
 
Net income (loss) available to common shareholders
 
$
1,930
  
$
(178
)
 
$
(1,321
)
 
$
(397
)
Net income (loss) per common share
                
Basic and diluted
 
$
0.14
  
$
(0.01
)
 
$
(0.10
)
 
$
(0.03
)

 
 
 
For the year ended December 31, 2012
 
(In thousands, except per share data)
 
Fourth Quarter
  
Third Quarter
  
Second Quarter
  
First Quarter
 
Interest income
 
$
6,991
  
$
7,761
  
$
8,423
  
$
8,806
 
Net interest income
  
4,801
   
5,382
   
5,906
   
5,993
 
Provision for loan and lease losses
  
2,637
   
1,761
   
1,515
   
84
 
Net interest income after provision
  
2,164
   
3,621
   
4,391
   
5,909
 
Other  income
  
(148
)
  
1,151
   
1,945
   
661
 
Other expenses
  
10,256
   
9,409
   
8,592
   
8,067
 
Loss before income tax
  
(8,240
)
  
(4,637
)
  
(2,256
)
  
(1,497
)
Net loss
 
$
(8,240
)
 
$
(4,637
)
 
$
(2,256
)
 
$
(1,497
)
Less net (loss) income attributable to noncontrolling interest
  
(246
)
  
175
   
(306
)
  
(628
)
Net loss attributable to Royal Bancshares of Pennsylavania, Inc.
 
$
(7,994
)
 
$
(4,812
)
 
$
(1,950
)
 
$
(869
)
Net loss available to common shareholders
 
$
(8,507
)
 
$
(5,323
)
 
$
(2,458
)
 
$
(1,375
)
Net loss per common share
                
Basic and diluted
 
$
(0.64
)
 
$
(0.40
)
 
$
(0.19
)
 
$
(0.10
)
XML 92 R21.htm IDEA: XBRL DOCUMENT v2.4.0.8
SHAREHOLDERS' EQUITY
 12 Months Ended
Dec. 31, 2013
SHAREHOLDERS' EQUITY [Abstract]  
SHAREHOLDERS' EQUITY
NOTE 14 – SHAREHOLDERS’ EQUITY

1.  Preferred Stock

On February 20, 2009, as part of the Capital Purchase Program (“CPP”) established by the United States Department of Treasury (“Treasury”), the Company issued to Treasury 30,407 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series A, without par value per share (the “Series A Preferred Stock”), and a liquidation preference of $1,000 per share.  In conjunction with the purchase of the Series A Preferred Stock, Treasury received a warrant to purchase 1,104,370 shares of the Company’s Class A common stock.  The aggregate purchase price for the Series A Preferred Stock and warrant was $30.4 million in cash.  The Series A Preferred Stock qualifies as Tier 1 capital and pays cumulative dividends at a rate of 5% per annum for the first five years, and 9% per annum commencing in February 2014.  The Series A Preferred Stock may generally be redeemed by the Company at any time following consultation with its primary banking regulators.  The warrant issued to Treasury has a 10-year term and is immediately exercisable upon its issuance, with an exercise price, subject to anti-dilution adjustments, equal to $4.13 per share of the common stock.  The Company’s utilized the extra capital provided by the CPP funds to support its efforts to prudently and transparently provide lending and liquidity while also balancing the goal to remain well-capitalized.

2.  Common Stock

The Company’s Class A common stock trades on the NASDAQ Global Market under the symbol RBPAA.  There is no market for the Company’s Class B common stock.  The Class B shares may not be transferred in any manner except to the holder’s immediate family.  Class B shares may be converted to Class A shares at the rate of 1.15 to 1.  Class B common stock is entitled to one vote for each Class A share and ten votes for each Class B share held.  Holders of either class of common stock are entitled to conversion equivalent per share dividends when declared.
 
3.  Payment of Dividends

Under the Pennsylvania Business Corporation Law, the Company may pay dividends only if it is solvent and would not be rendered insolvent by the dividend payment. There are also restrictions set forth in the Pennsylvania Banking Code of 1965 (the “Code”) and in the Federal Deposit Insurance Act (“FDIA”) affecting the payment of dividends to the Company by Royal Bank.  Under the Code, no dividends may be paid by a bank except from “accumulated net earnings” (generally retained earnings).  In addition, dividends paid by Royal Bank to the Company would be prohibited if the effect thereof would cause Royal Bank’s capital to be reduced below applicable minimum capital requirements.  At December 31, 2013, the Company had negative retained earnings and therefore would not have been able to declare and pay any cash dividends.  Royal Bank must receive prior approval from the FDIC and the Department before declaring and paying a dividend to the Company.
 
On August 13, 2009, the Company’s Board suspended the regular quarterly cash dividends on the $30.4 million in Series A Preferred Stock.  The Company’s Board took this action in consultation with the Federal Reserve Bank of Philadelphia as required by regulatory policy guidance.  As of December 31, 2013, the Series A Preferred stock dividend in arrears was $7.7 million and has not been recognized in the consolidated financial statements. In the event the Company declared the preferred dividend the Company’s capital ratios would be negatively affected however they would remain above the required minimum ratios.  Under the Federal Reserve MOU as described in “Note 2 – Regulatory Matters and Significant Risks or Uncertainties” to the Consolidated Financial Statements, the Company may not declare or pay any dividends without the prior written approval of the Reserve Bank and the Director of the Division of Banking Supervision and Regulation of the Board of Governors of the Federal Reserve System.  In February 2014, the preferred cumulative dividend rate prospectively increased to 9% per annum.

4.  Change in Noncontrolling Interest

As mentioned in “Note 1 – Summary of Significant Accounting Policies” and “Note 13 - Legal Contingencies” to the Consolidated Financial Statements, Royal Bank had a 60% ownership interest in CSC and RTL.  Effective December 31, 2013, Royal Bank agreed to a $1.25 million cash settlement with the former President of CSC and RTL, in which Royal Bank acquired his 40% ownership interest in RTL for $850,000.  The former President also relinquished his 20% ownership interest in CSC to Royal Bank. The combined value of the ownership interests was $2.6 million.  The settlement resulted in a $1.5 million gain for Royal Bank which was recorded as an increase to Additional Paid in Capital within Stockholders Equity.  As part of the cash settlement Royal Bank agreed to pay $400,000 for prior tax distributions. Additionally, the settlement agreement also includes a possible tax payment upon completion of the 2013 Forms K-1.  Effective, December 31, 2013, Royal Bank is an 80% owner of CSC and 100% owner of RTL.
XML 93 R26.htm IDEA: XBRL DOCUMENT v2.4.0.8
COMPREHENSIVE LOSS
 12 Months Ended
Dec. 31, 2013
COMPREHENSIVE LOSS [Abstract]  
COMPREHENSIVE LOSS
NOTE 19 – COMPREHENSIVE LOSS

ASC Topic 220 requires the reporting of all changes in equity during the reporting period except investments from and distributions to shareholders.  Net income (loss) is a component of comprehensive income (loss) with all other components referred to in the aggregate as other comprehensive income (loss).

The components of other comprehensive (loss) income and the related tax effects for December 31, 2013 and 2012 are as follows:

 
 
For the year ended December 31, 2013
 
(In thousands)
 
Before tax
 amount
  
Tax
expense
(benefit)
  
Net of tax
amount
 
Unrealized losses on investment securities:
 
  
  
 
Unrealized holding losses arising during period
 
$
(10,291
)
 
$
(3,572
)
 
$
(6,719
)
Less reclassification adjustment for gains realized in net income
  
158
   
54
   
104
 
Unrealized losses on investment securities
  
(10,449
)
  
(3,626
)
  
(6,823
)
Unrecognized benefit obligation expense:
            
Actuarial gain
  
950
   
323
   
627
 
Less reclassification adjustment for amortization
  
(328
)
  
(112
)
  
(216
)
 
  
1,278
   
435
   
843
 
Other comprehensive loss, net
 
$
(9,171
)
 
$
(3,191
)
 
$
(5,980
)
 
 
 
For the year ended December 31, 2012
 
(In thousands)
 
Before tax
amount
  
Tax
expense
(benefit)
  
Net of tax
 amount
 
Unrealized losses on investment securities:
 
  
  
 
Unrealized holding losses arising during period
 
$
(1,573
)
 
$
(535
)
 
$
(1,038
)
Less adjustment for impaired investments
  
(2,359
)
  
(802
)
  
(1,557
)
Less reclassification adjustment for gains realized in net loss
  
1,030
   
350
   
680
 
Unrealized losses on investment securities
  
(244
)
  
(83
)
  
(161
)
Unrecognized benefit obligation expense:
            
Actuarial loss
  
(1,655
)
  
(563
)
  
(1,092
)
Less reclassification adjustment for amortization
  
(471
)
  
(160
)
  
(311
)
 
  
(1,184
)
  
(403
)
  
(781
)
Other comprehensive loss, net
 
$
(1,428
)
 
$
(486
)
 
$
(942
)

The other components of accumulated other comprehensive loss included in shareholders’ equity at December 31, 2013 and 2012 are as follows:

 
 
As of December 31,
 
(In thousands)
 
2013
  
2012
 
Unrecognized benefit obligation
 
$
(2,929
)
 
$
(3,556
)
Unrealized gains on AFS investments
  
(3,193
)
  
3,414
 
Accumulated other comprehensive loss
 
$
(6,122
)
 
$
(142
)
XML 94 R49.htm IDEA: XBRL DOCUMENT v2.4.0.8
SEGMENT INFORMATION (Tables)
 12 Months Ended
Dec. 31, 2013
SEGMENT INFORMATION [Abstract]  
Selected segment information and reconciliations to consolidated financial information
Selected segment information and reconciliations to consolidated financial information are as follows:

(In thousands)
 
Community
  
Tax Lien
  
 
December 31, 2013
 
Banking
  
Operation
  
Consolidated
 
 
 
  
  
 
Total assets
 
$
707,022
  
$
26,228
  
$
733,250
 
Total deposits
  
528,964
   
-
   
528,964
 
 
            
Interest income
 
$
25,097
  
$
2,427
  
$
27,524
 
Interest expense
  
5,899
   
1,458
   
7,357
 
Net interest income
  
19,198
   
969
   
20,167
 
(Credit) provision for loan and lease losses
  
(1,459
)
  
587
   
(872
)
Total non-interest income
  
5,476
   
1,388
   
6,864
 
Total non-interest expenses
  
21,959
   
4,371
   
26,330
 
Income tax (benefit) expense
  
42
   
-
   
42
 
Net income (loss)
 
$
4,132
  
$
(2,601
)
 
$
1,531
 
Noncontrolling interest
  
462
   
(1,040
)
  
(578
)
Net income (loss) attributable to Royal Bancshares
 
$
3,670
  
$
(1,561
)
 
$
2,109
 
 
(In thousands)
 
Community
  
Tax Lien
  
 
December 31, 2012
 
Banking
  
Operation
  
Consolidated
 
 
 
  
  
 
Total assets
 
$
732,137
  
$
37,318
  
$
769,455
 
Total deposits
  
554,917
   
-
   
554,917
 
 
            
Interest income
 
$
26,956
  
$
5,025
  
$
31,981
 
Interest expense
  
7,202
   
2,697
   
9,899
 
Net interest income
  
19,754
   
2,328
   
22,082
 
Provision for loan and lease losses
  
5,177
   
820
   
5,997
 
Total non-interest income
  
2,868
   
741
   
3,609
 
Total non-interest expenses
  
31,118
   
5,206
   
36,324
 
Income tax (benefit) expense
  
(28
)
  
28
   
-
 
Net loss
 
$
(13,645
)
 
$
(2,985
)
 
$
(16,630
)
Noncontrolling interest
  
189
   
(1,194
)
  
(1,005
)
Net loss attributable to Royal Bancshares
 
$
(13,834
)
 
$
(1,791
)
 
$
(15,625
)
XML 95 R41.htm IDEA: XBRL DOCUMENT v2.4.0.8
INCOME TAXES (Tables)
 12 Months Ended
Dec. 31, 2013
INCOME TAXES [Abstract]  
Schedule of Components of Income Tax Expense
The components of income tax expense are stated below:

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
Income tax expense
 
  
 
Current
 
$
42
  
$
-
 
Deferred
  
-
   
-
 
Income tax expense
 
$
42
  
$
-
 
Statutory Federal Income Tax Rate Reconciliation
The difference between the applicable income tax expense and the amount computed by applying the statutory federal income tax rate of 34% in 2013 and 2012 is as follows:

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
Computed tax expense (benefit) at statutory rate
 
$
731
  
$
(5,313
)
Tax-exempt income
  
(22
)
  
(42
)
Department of Justice fine
  
-
   
680
 
Nondeductible expense
  
21
   
29
 
Bank owned life insurance
  
(183
)
  
(188
)
Adjustment to prior year items
  
1,933
   
-
 
(Decrease) increase in valuation allowance
  
(2,438
)
  
4,834
 
Applicable income tax expense
 
$
42
  
$
-
 
 
Deferred Tax Assets and Liabilities
Deferred tax assets and liabilities consist of the following:

 
 
As of December 31,
 
(In thousands)
 
2013
  
2012
 
Deferred tax assets
 
  
 
Allowance for loan and lease losses
 
$
4,648
  
$
5,863
 
Net operating loss carry forward  
18,908
   
21,988
 
Asset valuation reserves
  
34
   
79
 
Escrow settlement reserves
  
561
   
-
 
Security writedowns
  
2,193
   
1,429
 
OREO writedowns
  
1,490
   
4,475
 
Investment in partnerships
  
1,805
   
34
 
Pension obligations
  
4,926
   
5,745
 
Unrealized losses on debt securities
  
2,171
   
-
 
Accrued stock-based compensation
  
143
   
804
 
Non-accrual interest
  
134
   
277
 
Capital loss carryovers
  
2,892
   
1,550
 
Charitable contribution carryovers
  
14
   
11
 
Other
  
77
   
139
 
Deferred tax assets before valuation allowance
  
39,996
   
42,394
 
Less valuation allowance
  
(37,159
)
  
(39,597
)
Total deferred tax assets
  
2,837
   
2,797
 
Deferred tax liabilities
        
Penalties on delinquent tax certificates
  
39
   
224
 
Unrealized gains on AFS debt investment securities
  
-
   
1,665
 
Unrealized gains on AFS equity securities
  
429
   
145
 
Prepaid deductions
  
190
   
285
 
Other
  
8
   
64
 
Total deferred tax liabilities
  
666
   
2,383
 
Net deferred tax assets, included in other assets
 
$
2,171
  
$
414
 
 
XML 96 R5.htm IDEA: XBRL DOCUMENT v2.4.0.8
Statements of Consolidated Comprehensive Loss (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Statements of Consolidated Comprehensive Loss [Abstract]    
Net income (loss) $ 1,531 $ (16,630)
Unrealized losses on investment securities:    
Unrealized holding losses arising during period (6,719) (1,038)
Less adjustment for impaired investments 0 [1] (1,557) [1]
Less reclassification adjustment for gains realized in net income (loss) 104 [2] 680 [2]
Unrealized losses on investment securities (6,823) (161)
Unrecognized benefit obligation expense:    
Actuarial gain (loss) 627 (1,092)
Less reclassification adjustment for amortization (216) [3] (311) [3]
Other comprehensive loss (5,980) (942)
Comprehensive loss (4,449) (17,572)
Less net loss attributable to noncontrolling interest (578) (1,005)
Comprehensive loss attributable to Royal Bancshares of Pennsylvania, Inc. $ (3,871) $ (16,567)
[1] Amounts are included in total other-than-temporary impairment on investment securities on the Consolidated Statements of Operations in total noninterest income.
[2] Amounts are included in net gains on the sale of available for sale investment securities on the Consolidated Statements of Operations in total noninterest income.
[3] Amounts are included in salaries and benefits on the Consolidated Statements of Operations in noninterest expense.
XML 97 R10.htm IDEA: XBRL DOCUMENT v2.4.0.8
INVESTMENT SECURITIES
 12 Months Ended
Dec. 31, 2013
INVESTMENT SECURITIES [Abstract]  
INVESTMENT SECURITIES
NOTE 3 - INVESTMENT SECURITIES

The amortized cost, gross unrealized gains and losses, and fair value of the Company’s available-for-sale investment securities are summarized as follows:

As of December 31, 2013
 
  
Included in AOCL*
  
 
(In thousands)
 
Amortized
cost
  
Gross
unrealized
gains
  
Gross
unrealized
losses
  
Fair value
 
Investment securities available-for-sale
 
  
  
  
 
U.S. government agencies
 
$
68,207
  
$
-
  
$
(6,171
)
 
$
62,036
 
Mortgage-backed  securities-residential
  
32,769
   
210
   
(882
)
  
32,097
 
Collateralized mortgage obligations:
                
Issued or guaranteed by U.S. government agencies
  
188,194
   
2,887
   
(1,978
)
  
189,103
 
Non-agency
  
4,454
   
25
   
-
   
4,479
 
Corporate bonds
  
9,669
   
25
   
(256
)
  
9,438
 
Municipal bonds
  
7,163
   
-
   
(263
)
  
6,900
 
Common stocks
  
33
   
16
   
-
   
49
 
Other securities
  
3,363
   
1,405
   
(143
)
  
4,625
 
Total available for sale
 
$
313,852
  
$
4,568
  
$
(9,693
)
 
$
308,727
 

As of December 31, 2012
 
  
Included in AOCL*
  
 
(In thousands)
 
Amortized
cost
  
Gross
unrealized
gains
  
Gross
unrealized
losses
  
Fair value
 
Investment securities available-for-sale
 
  
  
  
 
U.S. government agencies
 
$
66,371
  
$
151
  
$
(78
)
 
$
66,444
 
Mortgage-backed  securities-residential
  
30,038
   
518
   
(47
)
  
30,509
 
Collateralized mortgage obligations:
                
Issued or guaranteed by U.S. government agencies
  
229,556
   
5,031
   
(611
)
  
233,976
 
Non-agency
  
1,007
   
4
   
-
   
1,011
 
Corporate bonds
  
7,477
   
32
   
(72
)
  
7,437
 
Municipal bonds
  
5,645
   
-
   
(30
)
  
5,615
 
Common stocks
  
33
   
14
   
-
   
47
 
Other securities
  
3,752
   
520
   
(108
)
  
4,164
 
Total available for sale
 
$
343,879
  
$
6,270
  
$
(946
)
 
$
349,203
 

*
Accumulated other comprehensive loss

The investment portfolio declined $40.5 million from $349.2 million at December 31, 2012 to $308.7 million at December 31, 2013.  The decline was partially due to the reinvestment of cash flows from principal payments and calls into loans and the $10.4 million change to a net unrealized loss of $5.1 million at December 31, 2013 from a net unrealized gain of $5.3 million at December 31, 2012.

The amortized cost and fair value of investment securities at December 31, 2013, by contractual maturity, are shown below.  Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.

 
 
As of December 31, 2013
 
(In thousands)
 
Amortized
cost
  
Fair value
 
Within 1 year
 
$
11,806
  
$
10,257
 
After 1 but within 5 years
  
6,432
   
6,359
 
After 5 but within 10 years
  
33,519
   
31,246
 
After 10 years
  
33,282
   
30,512
 
Mortgage-backed  securities-residential
  
32,769
   
32,097
 
Collateralized mortgage obligations:
        
Issued or guaranteed by U.S. government agencies
  
188,194
   
189,103
 
Non-agency
  
4,454
   
4,479
 
Total available for sale debt securities
  
310,456
   
304,053
 
No contractual maturity
  
3,396
   
4,674
 
Total available for sale securities
 
$
313,852
  
$
308,727
 

Proceeds from the sales of investments available for sale during 2013 and 2012 were $31.0 million and $28.2 million, respectively.  The following table summarizes gross realized gains and losses realized on the sale of securities recognized in earnings in the periods indicated:

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
Gross realized gains
 
$
416
  
$
1,211
 
Gross realized losses
  
(258
)
  
(181
)
Net realized gains
 
$
158
  
$
1,030
 
 
As of December 31, 2013, investment securities with a market value of $70.4 million were pledged as collateral to secure advances with the FHLB.

The Company evaluates securities for OTTI at least on a quarterly basis.  The Company assesses whether OTTI is present when the fair value of a security is less than its amortized cost.  All investment securities are evaluated for OTTI under FASB ASC Topic 320, “Investments-Debt & Equity Securities” (“ASC Topic 320”).  Non-agency collateralized mortgage obligations maybe evaluated under FASB ASC Topic 320 Subtopic 40, “Beneficial Interests in Securitized Financial Assets” or under FASB ASC Topic 325, “Investments-Other”.  In determining whether OTTI exists, management considers numerous factors, including but not limited to: (1) the length of time and the extent to which the fair value is less than the amortized cost, (2) the Company’s intent to hold or sell the security, (3) the financial condition and results of the issuer including changes in capital, (4) the credit rating of the issuer, (5) analysts’ earnings estimate, (6) industry trends specific to the security, and (7) timing of debt maturity and status of debt payments.
 
Under ASC Topic 320, OTTI is considered to have occurred with respect to debt securities (1) if an entity intends to sell the security; (2) if it is more likely than not an entity will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of the expected cash flows is not sufficient to recover the entire amortized cost basis.  In addition, the amount of the OTTI recognized in earnings depends on whether an entity intends to sell or will more likely than not be required to sell the security.  If an entity intends to sell the security or will be required to sell the security, the OTTI shall be recognized in earnings equal to the entire difference between the fair value and the amortized cost basis at the balance sheet date.  If an entity does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before the recovery of its amortized cost basis, the OTTI shall be separated into two amounts, the credit-related loss and the noncredit-related loss. The credit-related loss is based on the present value of the expected cash flows and is recognized in earnings.  The noncredit-related loss is based on other factors such as illiquidity and is recognized in other comprehensive income (loss).

The tables below indicate the length of time individual securities have been in a continuous unrealized loss position at December 31, 2013 and 2012:

As of December 31, 2013
 
Less than 12 months
  
12 months or longer
  
Total
 
(In thousands)
 
Fair value
  
Gross
unrealized
losses
  
Number of
 positions
  
Fair value
  
Gross
unrealized
 losses
  
Number of
positions
  
Fair value
  
Gross
 unrealized
losses
  
Number of
positions
 
Investment securities available for sale
 
  
  
  
  
  
  
  
  
 
U.S. government agencies
 
$
48,919
  
$
(5,035
)
  
16
  
$
12,267
  
$
(1,136
)
  
5
  
$
61,186
  
$
(6,171
)
  
21
 
Mortgage-backed  securities-residential
  
18,045
   
(518
)
  
7
   
6,276
   
(364
)
  
2
   
24,321
   
(882
)
  
9
 
Collateralized mortgage obligations:
                                    
Issued or guaranteed by U.S. government agencies
  
67,240
   
(1,446
)
  
21
   
9,974
   
(532
)
  
3
   
77,214
   
(1,978
 
)
  
24
 
Corporate bonds
  
4,848
   
(221
)
  
5
   
965
   
(35
)
  
1
   
5,813
   
(256
)
  
6
 
Municipal bonds
  
3,019
   
(102
)
  
5
   
3,881
   
(161
)
  
4
   
6,900
   
(263
)
  
9
 
Other securities
  
-
   
-
   
-
   
301
   
(143
)
  
2
   
301
   
(143
)
  
2
 
Total available for sale
 
$
142,071
  
$
(7,322
)
  
54
  
$
33,664
  
$
(2,371
)
  
17
  
$
175,735
  
$
(9,693
)
  
71
 

As of December 31, 2012
 
Less than 12 months
  
12 months or longer
  
Total
 
(In thousands)
 
Fair value
  
Gross
unrealized
losses
  
Number
of
positions
  
Fair value
  
Gross
unrealized
losses
  
Number of
positions
  
Fair value
  
Gross
unrealized
losses
  
Number
 of
positions
 
Investment securities available for sale
 
  
  
  
  
  
  
  
  
 
U.S. government agencies
 
$
23,818
  
$
(78
)
  
8
  
$
-
  
$
-
   
-
  
$
23,818
  
$
(78
)
  
8
 
Mortgage-backed securities-residential
  
7,280
   
(47
)
  
2
   
-
   
-
   
-
   
7,280
   
(47
)
  
2
 
Collateralized mortgage obligations:
                                    
Issued or guaranteed by U.S. government agencies
  
44,937
   
(592
)
  
15
   
3,975
   
(19
)
  
2
   
48,912
   
(611
 
)
  
17
 
Corporate bonds
  
2,165
   
(13
)
  
2
   
941
   
(59
)
  
1
   
3,106
   
(72
)
  
3
 
Municipal bonds
  
4,597
   
(21
)
  
5
   
882
   
(9
)
  
1
   
5,479
   
(30
)
  
6
 
Other securities
  
289
   
(38
)
  
1
   
255
   
(70
)
  
1
   
544
   
(108
)
  
2
 
Total available for sale
 
$
83,086
  
$
(789
)
  
33
  
$
6,053
  
$
(157
)
  
5
  
$
89,139
  
$
(946
)
  
38
 
 
The AFS portfolio had gross unrealized losses of $9.7 million and $946,000 at December 31, 2013 and 2012, respectively.  The considerable increase in gross unrealized losses was directly impacted by increases of $6.2 million, $1.4 million and $835,000 in gross unrealized losses on government agency debt securities, Agency CMOs, and MBS, respectively.  These securities carry lower coupons and their market value was negatively impacted by a 72% increase in the 10-year Treasury yield from 1.76% at December 31, 2012 to 3.03% at December 31, 2013.  The Company did not record OTTI charges in 2013. In determining the Company’s intent not to sell and it is not more likely than not that the Company will be required to sell the investments before recovery of their amortized cost basis, management considers the following factors: current liquidity and availability of other non-pledged assets that permits the investment to be held for an extended period of time but not necessarily until maturity, capital planning, and any specific investment committee goals or guidelines related to the disposition of specific investments.
 
Common stocks:  As of December 31, 2013, the Company had two common stocks of financial institutions with a total fair value of $49,000 and an unrealized gain of $16,000.  During 2012 the Company sold one common stock investment and recorded a gain of $112,000.

For all debt security types discussed below the fair value is based on prices provided by brokers and safekeeping custodians with the exception of trust preferred securities which is described below.

U.S. government-sponsored agencies (“US Agencies”):  As of December 31, 2013, the Company had 21 US Agency bonds, which are callable at par, with a fair value of $61.2 million and gross unrealized losses of $5.0 million.  Sixteen of these US Agencies have been in an unrealized loss position for less than twelve months.  The five bonds that have been in an unrealized loss position for more twelve months or longer had a fair market value of $12.3 million and unrealized losses of $1.2 million at December 31, 2013. Management believes that the unrealized loss on these debt securities is a function of changes in investment spreads.  Management expects to recover the entire amortized cost basis of these securities.  The Company does not intend to sell the securities before recovery of the cost basis and will not more likely than not be required to sell these securities before recovery of the cost basis.  Therefore, management has determined that these securities are not other-than-temporarily impaired at December 31, 2013.

Mortgage-backed securities issued by U.S. government agencies and U.S. government sponsored enterprises: As of December 31, 2013, the Company had nine mortgage-backed securities with a fair value of $24.3 million and gross unrealized losses of $882,000.  Two of the mortgage-backed securities had been in an unrealized loss position of twelve months or longer and the remaining seven mortgage-backed securities have been in an unrealized loss position for less than twelve months. The unrealized loss is attributable to a combination of factors, including relative changes in interest rates since the time of purchase.  The contractual cash flows for these securities are guaranteed by U.S. government agencies and U.S. government-sponsored enterprises. Based on its assessment of these factors, management believes that the unrealized losses on these debt securities are a function of changes in investment spreads and interest rate movements and not changes in credit quality.  Management expects to recover the entire amortized cost basis of these securities.  The Company does not intend to sell these securities before recovery of their cost basis and will not more likely than not be required to sell these securities before recovery of their cost basis.  Therefore, management has determined that these securities are not other-than-temporarily impaired at December 31, 2013.

U.S. government issued or sponsored collateralized mortgage obligations (“Agency CMOs”):  As of December 31, 2013, the Company had 24 Agency CMOs with a fair value of $77.2 million and gross unrealized losses of $2.0 million. Three of the Agency CMOs had been in an unrealized loss position for twelve months or longer and the remaining 21 Agency CMOs have been in an unrealized loss position for less than twelve months. The unrealized loss is attributable to a combination of factors, including relative changes in interest rates since the time of purchase.  The contractual cash flows for these securities are guaranteed by U.S. government agencies and U.S. government-sponsored enterprises. Based on its assessment of these factors, management believes that the unrealized losses on these debt securities are a function of changes in investment spreads and interest rate movements and not changes in credit quality.  Management expects to recover the entire amortized cost basis of these securities.  The Company does not intend to sell these securities before recovery of their cost basis and will not more likely than not be required to sell these securities before recovery of their cost basis.  Therefore, management has determined that these securities are not other-than-temporarily impaired at December 31, 2013.
 
Non-agency collateralized mortgage obligations (“Non-agency CMOs”):  As of December 31, 2013, the Company had two non-agency CMOs with a fair value of $4.5 million and a gross unrealized gain of $25,000.
 
Corporate bonds:  As of December 31, 2013, the Company had six corporate bonds with a fair value of $5.8 million and gross unrealized losses of $256,000.  One of the corporate bonds had been in an unrealized loss position for more than twelve months and the remaining five bonds have been in an unrealized loss position for less than twelve months.  All six bonds are investment grade.  The Company’s unrealized losses in investments in corporate bonds represent interest rate risk and not credit risk of the underlying issuers. As previously mentioned management also considered (1) the length of time and the extent to which the fair value is less than the amortized cost, (2) the Company’s intent to hold or sell the security, (3) the financial condition and results of the issuer including changes in capital, (4) the credit rating of the issuer, (5) analysts’ earnings estimate, (6) industry trends specific to the security, and (7) timing of debt maturity and status of debt payments.  Management utilized discounted cash flow analysis based upon the credit ratings of the securities, liquidity risk premiums, and the recent corporate spreads for similar securities as required under ASC Topic 320 to determine the credit risk component of the corporate bonds.  Based on these analyses, there was no credit-related loss on the bonds. Because the Company does not intend to sell the corporate bonds and it is not more likely than not that the Company will be required to sell the bonds before recovery of their amortized cost basis, which may be maturity, the Company does not consider these bonds to be other-than-temporarily impaired at December 31, 2013.

Municipal bonds:  As of December 31, 2013, the Company had nine municipal bonds with a fair value $6.9 million and an unrealized loss of $263,000.  Five of the municipal bonds have been in an unrealized loss position for less than twelve months and four municipal bonds have been in an unrealized loss position for more twelve months or longer. Because the Company does not intend to sell the bonds and it is not more likely than not that the Company will be required to sell the bonds before recovery of its amortized cost basis, which may be maturity, the Company does not consider the bonds to be other-than-temporarily impaired at December 31, 2013.

Other securities:  As of December 31, 2013, the Company had seven investments in private equity funds which were predominantly invested in real estate.  In determining whether or not OTTI exists, the Company reviews the funds’ financials, asset values, and its near-term projections.  At December 31, 2013, two of the private equity funds had a combined fair value of $301,000 and an unrealized loss of $143,000.  OTTI charges were recorded in a prior period on these two funds.  Management concluded that there was no additional impairment on these two funds in 2013.  During 2012 the Company recorded impairment charges on two other private equity funds.   The impairment charges included the entire carrying value of one of the private equity funds in the amount of $1.5 million and a credit related impairment charge of $859,000 on another private equity fund.

The Company will continue to monitor all of the above investments to determine if the discounted cash flow analysis, continued negative trends, market valuations or credit defaults result in impairment that is other-than-temporary.

The following table presents a roll-forward of the balance of credit-related impairment losses on debt securities held at December 31, 2013 and 2012 for which a portion of an other-than-temporary impairment was recognized in other comprehensive income:

(In thousands)
 
2013
  
2012
 
Balance at January 1,
 
$
173
  
$
173
 
Reductions for securities sold during the period (realized)
  
(173
)
  
-
 
Balance at December 31,
 
$
-
  
$
173
 
 
The following table summarizes other-than-temporary impairment losses on securities recognized in earnings in the periods indicated:

 
 
For the years ended December 31,
 
(In thousands)
 
2013
  
2012
 
Other securities
 
$
-
  
$
2,359
 
Total OTTI recognized in earnings
 
$
-
  
$
2,359
 

During 2012, the Company recorded a total impairment charge to earnings of $2.4 million related to other securities.  Management concluded that these investments were OTTI.
XML 98 R58.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS AND LEASES - Troubled Debt Restructurings (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Loan
Dec. 31, 2012
Loan
LOANS AND LEASES [Abstract]    
TDRs, total carrying value $ 12,084 $ 21,090
Financing Receivable, Modifications [Line Items]    
Number of TDRs on non-accrual status 5 8
Number of TDRs already classified as impaired 5 8
Number of Loans 12 12
Total TDRs 12,084 21,090
Financing Receivable New Modifications for the Period [Abstract]    
Number of loans 3 4
Rate 0 0
Term 0 0
Payment 0 5,290
Combination of types 3,787 7,906
Total 3,787 13,196
Pre-Modification Outstanding Recorded Investment 3,848 15,006
Post-Modification Outstanding Recorded Investment 3,848 15,006
Accrual Status [Member]
    
LOANS AND LEASES [Abstract]    
TDRs, total carrying value 9,524 7,567
Financing Receivable, Modifications [Line Items]    
Total TDRs 9,524 7,567
Non-Accrual Status [Member]
    
LOANS AND LEASES [Abstract]    
TDRs, total carrying value 2,560 13,523
Financing Receivable, Modifications [Line Items]    
Total TDRs 2,560 13,523
Construction and Land Development [Member]
    
LOANS AND LEASES [Abstract]    
TDRs, total carrying value 1,736 10,676
Financing Receivable, Modifications [Line Items]    
Number of Loans 4 4
Total TDRs 1,736 10,676
Financing Receivable New Modifications for the Period [Abstract]    
Number of loans   1
Rate   0
Term   0
Payment   0
Combination of types   282
Total   282
Pre-Modification Outstanding Recorded Investment   290
Post-Modification Outstanding Recorded Investment   290
Construction and Land Development [Member] | Accrual Status [Member]
    
LOANS AND LEASES [Abstract]    
TDRs, total carrying value 1,257 613
Financing Receivable, Modifications [Line Items]    
Total TDRs 1,257 613
Construction and Land Development [Member] | Non-Accrual Status [Member]
    
LOANS AND LEASES [Abstract]    
TDRs, total carrying value 479 10,063
Financing Receivable, Modifications [Line Items]    
Total TDRs 479 10,063
Commercial Real Estate [Member]
    
LOANS AND LEASES [Abstract]    
TDRs, total carrying value 3,847 2,518
Financing Receivable, Modifications [Line Items]    
Number of Loans 3 4
Total TDRs 3,847 2,518
Financing Receivable New Modifications for the Period [Abstract]    
Number of loans 2 2
Rate 0 0
Term 0 0
Payment 0 0
Combination of types 3,705 7,624
Total 3,705 7,624
Pre-Modification Outstanding Recorded Investment 3,761 9,426
Post-Modification Outstanding Recorded Investment 3,761 9,426
Commercial Real Estate [Member] | Accrual Status [Member]
    
LOANS AND LEASES [Abstract]    
TDRs, total carrying value 3,847 1,664
Financing Receivable, Modifications [Line Items]    
Total TDRs 3,847 1,664
Commercial Real Estate [Member] | Non-Accrual Status [Member]
    
LOANS AND LEASES [Abstract]    
TDRs, total carrying value 0 854
Financing Receivable, Modifications [Line Items]    
Total TDRs 0 854
Commercial and Industrial [Member]
    
LOANS AND LEASES [Abstract]    
TDRs, total carrying value 6,380 7,747
Financing Receivable, Modifications [Line Items]    
Number of Loans 3 2
Total TDRs 6,380 7,747
Financing Receivable New Modifications for the Period [Abstract]    
Number of loans 1 1
Rate 0 0
Term 0 0
Payment 0 5,290
Combination of types 82 0
Total 82 5,290
Pre-Modification Outstanding Recorded Investment 87 5,290
Post-Modification Outstanding Recorded Investment 87 5,290
Commercial and Industrial [Member] | Accrual Status [Member]
    
LOANS AND LEASES [Abstract]    
TDRs, total carrying value 4,420 5,290
Financing Receivable, Modifications [Line Items]    
Total TDRs 4,420 5,290
Commercial and Industrial [Member] | Non-Accrual Status [Member]
    
LOANS AND LEASES [Abstract]    
TDRs, total carrying value 1,960 2,457
Financing Receivable, Modifications [Line Items]    
Total TDRs 1,960 2,457
Residential Real Estate [Member]
    
LOANS AND LEASES [Abstract]    
TDRs, total carrying value 121 149
Financing Receivable, Modifications [Line Items]    
Number of Loans 2 2
Total TDRs 121 149
Residential Real Estate [Member] | Accrual Status [Member]
    
LOANS AND LEASES [Abstract]    
TDRs, total carrying value 0 0
Financing Receivable, Modifications [Line Items]    
Total TDRs 0 0
Residential Real Estate [Member] | Non-Accrual Status [Member]
    
LOANS AND LEASES [Abstract]    
TDRs, total carrying value 121 149
Financing Receivable, Modifications [Line Items]    
Total TDRs $ 121 $ 149
XML 99 R82.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY (Details) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended 12 Months Ended
Dec. 31, 2013
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
ASSETS                      
Cash $ 9,154       $ 10,621       $ 9,154 $ 10,621  
Other assets 9,703       11,205       9,703 11,205  
Total assets 732,254       769,455       732,254 769,455  
Subordinated debentures 25,774       25,774       25,774 25,774  
Shareholder's equity 47,805       53,568       47,805 53,568 71,098
Total liabilities and shareholders' equity 732,254       769,455       732,254 769,455  
Income                      
Other income                 207 747  
Expenses                      
Other expenses                 2,562 2,903  
Total Non-interest Expense 6,333 6,290 7,567 6,140 10,256 9,409 8,592 8,067 26,330 36,324  
Income (Loss) Before Income Taxes 2,280 499 (1,497) 291 (8,240) (4,637) (2,256) (1,497) 1,573 (16,630)  
Income tax expense 42 0 0 0         42 0  
Net Income (Loss) 2,238 499 (1,497) 291 (8,240) (4,637) (2,256) (1,497) 1,531 (16,630)  
Cash flows from operating activities:                      
Net income (loss) 2,452 342 (803) 118 (7,994) (4,812) (1,950) (869) 2,109 (15,625)  
Adjustments to reconcile net income (loss) to net cash used in operating activities:                      
Interest on subordinated debentures                 (2,795) 310  
Net cash provided by operating activities                 5,437 26,881  
Net cash provided by investing activities                 9,010 38,081  
Cash flows from financing activities                      
Loan payoffs (fundings)                 (50,452) (449)  
Net cash used in financing activities                 (26,405) (60,666)  
Net increase (decrease) in cash and cash equivalents                 (11,958) 4,296  
Cash and cash equivalents at beginning of period       28,802       24,506 28,802 24,506  
Cash and cash equivalents at end of period 16,844       28,802       16,844 28,802  
Parent Company [Member]
                      
ASSETS                      
Cash 1,333       4,739       1,333 4,739  
Investments in non-bank subsidiaries 29,795       25,830       29,795 25,830  
Investments in Royal Bank 42,165       44,725       42,165 44,725  
Other assets 15       238       15 238  
Total assets 73,308       75,532       73,308 75,532  
Subordinated debentures 25,774       25,774       25,774 25,774  
Shareholder's equity 47,534       49,758       47,534 49,758  
Total liabilities and shareholders' equity 73,308       75,532       73,308 75,532  
Income                      
Other income                 25 20  
Total Income                 25 20  
Expenses                      
Other expenses                 499 697  
Interest on subordinated debentures                 809 683  
Total Non-interest Expense                 1,308 1,380  
Income (Loss) Before Income Taxes                 (1,283) (1,360)  
Income tax expense                 0 0  
Equity in undistributed net income (loss)                 3,392 (14,265)  
Net Income (Loss)                 2,109 (15,625)  
Cash flows from operating activities:                      
Net income (loss)                 2,109 (15,625)  
Adjustments to reconcile net income (loss) to net cash used in operating activities:                      
Undistributed losses from subsidiaries                 (3,392) 14,265  
Interest on subordinated debentures                 (2,419) 683  
Net cash provided by operating activities                 (3,702) (677)  
Net cash provided by investing activities                 0 0  
Cash flows from financing activities                      
Loan payoffs (fundings)                 0 130  
Other, net                 296 185  
Net cash used in financing activities                 296 315  
Net increase (decrease) in cash and cash equivalents                 (3,406) (362)  
Cash and cash equivalents at beginning of period       4,739       5,101 4,739 5,101  
Cash and cash equivalents at end of period $ 1,333       $ 4,739       $ 1,333 $ 4,739  
XML 100 R69.htm IDEA: XBRL DOCUMENT v2.4.0.8
LEGAL CONTINGENCIES (Details) (USD $)
 3 Months Ended 12 Months Ended 12 Months Ended 12 Months Ended
Jun. 30, 2013
Dec. 31, 2013
Dec. 31, 2012
Oct. 22, 2012
LawFirm
Dec. 31, 2012
CSC [Member]
Dec. 31, 2013
CSC [Member]
Dec. 31, 2013
RTL [Member]
Dec. 31, 2010
Lehman Brothers Holdings, Inc. [Member]
Equity Method Investments [Line Items]                
Percentage of equity interest hold (in hundredths)           60.00% 60.00%  
Loss contingency accrual $ 1,650,000 $ 1,750,000 $ 0   $ 2,000,000      
Department of Justice fine in period attributable to parent 990,000       1,200,000      
Cash payment for liens specified as percentage of redemption amount (in hundredths)   85.00%            
Payment period from date of written notice   35 days            
Number of law firms appointed       2        
Interest rate on tax liens acquired   0.00%            
Par value of investment which triggered the legal action triggered by bankruptcy               $ 25,000,000
XML 101 R27.htm IDEA: XBRL DOCUMENT v2.4.0.8
FAIR VALUE OF FINANCIAL INSTRUMENTS
 12 Months Ended
Dec. 31, 2013
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]  
FAIR VALUE OF FINANCIAL INSTRUMENTS
NOTE 20 - FAIR VALUE OF FINANCIAL INSTRUMENTS

Under FASB ASC Topic 820 “Fair Value Measurements” (“ASC Topic 820”), fair values are based on the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. When available, management uses quoted market prices to determine fair value.  If quoted prices are not available, fair value is based upon valuation techniques such as matrix pricing or other models that use, where possible, current market-based or independently sourced market parameters, such as interest rates. If observable market-based inputs are not available, the Company uses unobservable inputs to determine appropriate valuation adjustments using discounted cash flow methodologies.

Management uses its best judgment in estimating the fair value of the Company’s financial instruments; however, there are inherent weaknesses in any estimation technique.  Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sales transaction on the dates indicated.  The estimated fair value amounts have been measured as of their respective period end and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates.  As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each period-end.
 
ASC Topic 820 provides guidance for estimating fair value when the volume and level of activity for an asset or liability has significantly declined and for identifying circumstances when a transaction is not orderly.  ASC Topic 820 establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value.  The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements).  The three levels of the fair value hierarchy under ASC Topic 820 are as follows:

 
Level 1:
Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities.

 
Level 2:
Quoted prices in markets that are not active, or inputs that are observable either directly or indirectly, for substantially the full term of the asset or liability.  Level 2 includes debt securities with quoted prices that are traded less frequently then exchange-traded instruments. Valuation techniques include matrix pricing which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted prices.

 
Level 3:
Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported with little or no market activity).

A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.  The Company did not have transfers of financial instruments within the fair value hierarchy during the three and twelve months ended December 31, 2013 and 2012.

Items Measured on a Recurring Basis

The Company’s available for sale investment securities are recorded at fair value on a recurring basis.

Fair value for Level 1 securities are determined by obtaining quoted market prices on nationally recognized securities exchanges.  Level 1 securities include common stocks.

Level 2 securities include obligations of U.S. government-sponsored agencies, debt securities with quoted prices, which are traded less frequently than exchange-traded instruments, whose value is determined using matrix pricing with inputs that are observable in the market or can be derived principally from or corroborated by observable market data.  The prices were obtained from third party vendors. This category generally includes the Company’mortgage-backed securities and CMOs issued by U.S. government and government-sponsored agencies, non-agency CMOs, and corporate and municipal bonds.

Level 3 securities include investments in seven private equity funds which are predominantly invested in real estate.  The value of the private equity funds are derived from the funds’ financials and K-1 filings.  The Company also reviews the funds’ asset values and its near-term projections.
 
For financial assets measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2013 and 2012 are as follows:

As of December 31, 2013
 
Fair Value Measurements Using
  
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Fair Value
 
Assets
 
  
  
  
 
Investment securities available-for-sale
 
  
  
  
 
U.S. government agencies
 
$
-
  
$
62,036
  
$
-
  
$
62,036
 
Mortgage-backed  securities-residential
  
-
   
32,097
   
-
   
32,097
 
Collateralized mortgage obligations:
                
Issued or guaranteed by U.S. government agencies
  
-
   
189,103
   
-
   
189,103
 
Non-agency
  
-
   
4,479
   
-
   
4,479
 
Corporate bonds
  
-
   
9,438
   
-
   
9,438
 
Municipal bonds
  
-
   
6,900
   
-
   
6,900
 
Other securities
  
-
   
-
   
4,625
   
4,625
 
Common stocks
  
49
   
-
   
-
   
49
 
Total available for sale
 
$
49
  
$
304,053
  
$
4,625
  
$
308,727
 
 
                
As of December 31, 2012
 
Fair Value Measurements Using
     
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Fair Value
 
Assets
                
Investment securities available-for-sale
                
U.S. government agencies
 
$
-
  
$
66,444
  
$
-
  
$
66,444
 
Mortgage-backed  securities-residential
  
-
   
30,509
   
-
   
30,509
 
Collateralized mortgage obligations:
                
Issued or guaranteed by U.S. government agencies
  
-
   
233,976
   
-
   
233,976
 
Non-agency
  
-
   
1,011
   
-
   
1,011
 
Corporate bonds
  
-
   
7,437
   
-
   
7,437
 
Municipal bonds
  
-
   
5,615
   
-
   
5,615
 
Other securities
  
-
   
-
   
4,164
   
4,164
 
Common stocks
  
47
   
-
   
-
   
47
 
Total available for sale
 
$
47
  
$
344,992
  
$
4,164
  
$
349,203
 
 
The following tables present additional information about assets measured at fair value on a recurring basis and for which the Company has utilized Level 3 inputs to determine fair value for the years ended December 31, 2013 and 2012:

(In thousands)
 
Other
 
Investment Securities Available for Sale
 
securities
 
 
 
 
Beginning balance January 1, 2013
 
$
4,164
 
Total gains/(losses) - (realized/unrealized):
    
Included in earnings
  
94
 
Included in other comprehensive income
  
850
 
Purchases
  
70
 
Sales and calls
  
(553
)
Transfers in and/or out of Level 3
  
-
 
Ending balance December 31, 2013
 
$
4,625
 

 
 
Trust
  
  
 
(In thousands)
 
preferred
  
Other
  
 
Investment Securities Available for Sale
 
securities
  
securities
  
Total
 
 
 
  
  
 
Beginning balance January 1, 2012
 
$
12,603
  
$
6,918
  
$
19,521
 
Total gains/(losses) - (realized/unrealized):
            
Included in earnings
  
126
   
(1,817
)
  
(1,691
)
Included in other comprehensive income
  
(1,938
)
  
79
   
(1,859
)
Purchases
  
-
   
788
   
788
 
Sales and calls
  
(10,773
)
  
(1,804
)
  
(12,577
)
Amortization of premium
  
(18
)
  
-
   
(18
)
Transfers in and/or out of Level 3
  
-
   
-
   
-
 
Ending balance December 31, 2012
 
$
-
  
$
4,164
  
$
4,164
 
 
Items Measured on a Nonrecurring Basis

Non-accrual loans and TDRs are evaluated for impairment on an individual basis under FASB ASC Topic 310 “Receivables”.  The impairment analysis includes current collateral values, known relevant factors that may affect loan collectability, and risks inherent in different kinds of lending.  When the collateral value or discounted cash flows less costs to sell is less than the carrying value of the loan a specific reserve (valuation allowance) is established. Loans held for sale are carried at the lower of cost or fair value. OREO is carried at the lower of cost or fair value.  Fair value is based upon independent market prices, appraised values of the collateral or management’s estimation of the value of the real estate.  Additionally, for collateral acquired from tax liens, fair value may be established using brokers opinions due to their lower carrying value.  These assets are included as Level 3 fair values, based upon the lowest level of input that is significant to the fair value measurements.
 
For financial assets measured at fair value on a nonrecurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2013 and 2012 are as follows:

As of December 31, 2013
 
Fair Value Measurements Using
  
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Fair Value
 
Assets
 
  
  
  
 
Impaired loans
 
$
-
  
$
-
  
$
4,073
  
$
4,073
 
Other real estate owned
  
-
   
-
   
9,182
   
9,182
 
Loans and leases held for sale
  
-
   
-
   
1,446
   
1,446
 

As of December 31, 2012
 
Fair Value Measurements Using
  
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Fair Value
 
Assets
 
  
  
  
 
Impaired loans
 
$
-
  
$
-
  
$
9,180
  
$
9,180
 
Other real estate owned
  
-
   
-
   
7,632
   
7,632
 
Loans and leases held for sale
  
-
   
-
   
1,572
   
1,572
 

The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Company has utilized Level 3 inputs to determine fair value:

 
 
Qualitative Information about Level 3 Fair Value Measurements
 
As of December 31, 2013
 
 
Valuation
Unobservable
 
Range (Weighted
 
(In thousands)
 
Fair Value
 
Techniques
Input
 
Average)
 
Impaired loans and leases
 
$
4,073
 
Appraisal of collateral (1)
Appraisal adjustments
 
0.0% to -25.0% (-2.0%)
 
 
    
   
Liquidation  expenses
 
0.0% to -23.2% (-6.7%)
 
 
    
 
 
 
 
 
    
Salvageable value of
 
  
0.0
%
 
    
collateral (2)
 
    
 
    
 
 
    
Other real estate owned
  
9,182
 
Appraisal of collateral (1)
Appraisal adjustments
 
0.0% to -62.5% (-11.2%)
 
 
    
Sales prices
Liquidation  expenses
 
-2.8% to -6.8% (-5.0%)
 
 
    
 
 
    
Loans and leases held for sale
  
1,446
 
Sales prices (3)
 
    

(1)Appraisals or brokers opinions of collateral values may be adjusted for qualitative factors such as interior condition of the property and liquidation expenses.  Fair value may also be based on negotiated settlements with the borrower.
 
(2)Leases are measured using the salvageable value of the collateral.
 
(3)Fair value was based on agreement with specific buyer.

The following methods and assumptions were used to estimate the fair values of the Company’s financial instruments at December 31, 2013 and 2012. The tables below indicate the fair value of the Company’s financial instruments at December 31, 2013 and 2012.  The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities.  Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company’s disclosures and those of other companies may not be meaningful.  The methodologies for estimating the fair value of financial instruments that are measured on a recurring or nonrecurring basis are discussed above.
 
Cash and cash equivalents (carried at cost):

The carrying amounts reported in the balance sheet for cash and short-term instruments approximate those assets’ fair values.
 
Securities:

Management uses quoted market prices to determine fair value of securities (level 1).  If quoted prices are not available, fair value is based upon valuation techniques such as matrix pricing or other models that use, where possible, current market-based or independently sourced market parameters, such as interest rates (level 2). If observable market-based inputs are not available, the Company uses unobservable inputs to determine appropriate valuation adjustments by reviewing the private equities funds’ financials and K-1 filings and for trust preferred securities using discounted cash flow methodologies (level 3).

Other Investment (carried at cost):

This investment includes the Solomon Hess SBA Loan Fund, which the Company invested in to partially satisfy its community reinvestment requirement.  Shares in this fund are not publicly traded and therefore have no readily determinable fair market value.  An investor can have their investment in the Fund redeemed for the balance of their capital account at any quarter end with 60 days notice to the Fund.  The investment in this Fund is recorded at cost.  The Company does not record this investment at fair value on a recurring basis, as this investment’s carrying amount approximates fair value.

Restricted investment in bank stock (carried at cost):

The carrying amount of restricted investment in bank stock approximates fair value, and considers the limited marketability of such securities.

Loans held for sale (carried at the lower of cost or fair market value):

The fair values of loans held for sale are estimated using expected net sales proceeds.

Loans receivable (carried at cost):

The fair values of loans are estimated using discounted cash flow analyses, using market rates at the balance sheet date that reflect the credit and interest rate-risk inherent in the loans.  Projected future cash flows are calculated based upon contractual maturity or call dates, projected repayments and prepayments of principal.   Generally, for variable rate loans that re-price frequently and with no significant change in credit risk, fair values are based on carrying values.

Impaired loans (generally carried at fair value):

Impaired loans are accounted for under ASC Topic 310. Impaired loans are those in which the Company has measured impairment generally based on the fair value of the loan’s collateral.  Fair value is generally determined based upon independent third-party appraisals of the properties, or discounted cash flows based on the expected proceeds.  These assets are included as Level 3 fair values, based upon the lowest level of input that is significant to the fair value measurements.

Accrued interest receivable and payable (carried at cost):

The carrying amount of accrued interest receivable and accrued interest payable approximates its fair value.
 
Deposit liabilities (carried at cost):

The fair values disclosed for demand deposits (e.g., interest and noninterest checking, passbook savings and money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts).  Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered in the market on certificates to a schedule of aggregated expected monthly maturities on time deposits.
 
Short-term borrowings (carried at cost):

The carrying amounts of short-term borrowings approximate their fair values.

Long-term debt (carried at cost):

Fair values of FHLB advances and other long-term borrowings are estimated using discounted cash flow analysis, based on current rates for FHLB advances with similar credit risk characteristics, terms and remaining maturity.  These prices obtained from this active market represent a market value that is deemed to represent the transfer price if the liability were assumed by a third party.

Subordinated debt (carried at cost):

Fair values of junior subordinated debt are estimated using discounted cash flow analysis, based on market rates currently offered on such debt with similar credit risk characteristics, terms and remaining maturity.

Off-balance sheet financial instruments (disclosed at cost):

Fair values for the Company’s off-balance sheet financial instruments (lending commitments and letters of credit) are based on fees currently charged in the market to enter into similar agreements, taking into account, the remaining terms of the agreements and the counterparties’ credit standing.  They are not shown in the table because the amounts are immaterial.
 
 
 
  
  
Fair Value Measurements
 
 
 
  
  
At December 31, 2013
 
 
 
  
  
Quoted Prices
  
  
 
 
 
  
  
in Active
  
Significant
  
 
 
 
  
  
Markets for
  
Other
  
Significant
 
 
 
  
  
Identical
  
Observable
  
Unobservable
 
 
 
Carrying
  
Estimated
  
Assets
  
Inputs
  
Inputs
 
(In thousands)
 
amount
  
fair value
  
Level 1
  
Level 2
  
Level 3
 
Financial Assets:
 
  
  
  
  
 
Cash and cash  equivalents
 
$
16,844
  
$
16,844
  
$
16,844
  
$
-
  
$
-
 
AFS investment securities
  
308,727
   
308,727
   
49
   
304,053
   
4,625
 
Other investment
  
2,250
   
2,250
   
-
   
-
   
2,250
 
Federal Home Loan Bank stock
  
4,204
   
4,204
   
-
   
-
   
4,204
 
Loans held for sale
  
1,446
   
1,446
   
-
   
-
   
1,446
 
Loans, net
  
352,810
   
349,336
   
-
   
-
   
349,336
 
Accrued interest receivable
  
7,054
   
7,054
   
-
   
7,054
   
-
 
 
                    
Financial Liabilities:
                    
Demand deposits
  
60,473
   
60,473
   
-
   
60,473
   
-
 
NOW and money markets
  
210,053
   
210,053
   
-
   
210,053
   
-
 
Savings
  
17,593
   
17,593
   
-
   
17,593
   
-
 
Time deposits
  
240,845
   
239,102
   
-
   
239,102
   
-
 
Short-term borrowings
  
10,000
   
10,000
   
10,000
   
-
   
-
 
Long-term borrowings
  
97,881
   
94,896
   
-
   
94,896
   
-
 
Subordinated debt
  
25,774
   
26,000
   
-
   
26,000
   
-
 
Accrued interest payable
  
965
   
965
   
-
   
965
   
-
 

 
 
  
  
Fair Value Measurements
 
 
 
  
  
At December 31, 2012
 
 
 
  
  
Quoted Prices
  
  
 
 
 
  
  
in Active
  
Significant
  
 
 
 
  
  
Markets for
  
Other
  
Significant
 
 
 
  
  
Identical
  
Observable
  
Unobservable
 
 
 
Carrying
  
Estimated
  
Assets
  
Inputs
  
Inputs
 
(In thousands)
 
amount
  
fair value
  
Level 1
  
Level 2
  
Level 3
 
Financial Assets:
 
  
  
  
  
 
Cash and cash equivalents
 
$
28,802
  
$
28,802
  
$
28,802
  
$
-
  
$
-
 
AFS investment securities
  
349,203
   
349,203
   
47
   
344,992
   
4,164
 
Other investment
  
2,250
   
2,250
   
-
   
-
   
2,250
 
Federal Home Loan Bank stock
  
6,011
   
6,011
   
-
   
-
   
6,011
 
Loans held for sale
  
1,572
   
1,572
   
-
   
-
   
1,572
 
Loans, net
  
326,904
   
330,260
   
-
   
-
   
330,260
 
Accrued interest receivable
  
10,256
   
10,256
   
-
   
10,256
   
-
 
 
                    
Financial Liabilities:
                    
Demand deposits
  
58,531
   
58,531
   
-
   
58,531
   
-
 
NOW and money markets
  
223,279
   
223,279
   
-
   
223,279
   
-
 
Savings
  
17,472
   
17,472
   
-
   
17,472
   
-
 
Time deposits
  
255,635
   
251,532
   
-
   
251,532
   
-
 
Long-term borrowings
  
108,333
   
102,824
   
-
   
102,824
   
-
 
Subordinated debt
  
25,774
   
23,837
   
-
   
23,837
   
-
 
Accrued interest payable
  
3,760
   
3,760
   
-
   
3,760
   
-
 
 
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STOCK COMPENSATION PLANS, Option Plan By Exercise Price Range (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Employee Stock Option And Appreciation Right Plan [Member]
    
Stock Option Plan, Exercise Price Range [Line Items]    
Options outstanding and exercisable (in shares) 82,780  
Options outstanding and exercisable, weighted average exercise price (in dollars per share) $ 22.06  
Options outstanding and exercisable, weighted average remaining term 1 year 1 month 6 days  
Options exercisable (in shares) 82,780 217,561
Options exercisable, weighted average exercise price (in dollars per share) $ 22.06 $ 21.50
Employee Stock Option And Appreciation Right Plan [Member] | $21.00 - $23.00 [Member]
    
Stock Option Plan, Exercise Price Range [Line Items]    
Range of exercise prices, lower range limit (in dollars per share) $ 21.00  
Range of exercise prices, upper range limit (in dollars per share) $ 23.00  
Options outstanding and exercisable (in shares) 82,780  
Options outstanding and exercisable, weighted average exercise price (in dollars per share) $ 22.06  
Options outstanding and exercisable, weighted average remaining term 1 year 1 month 6 days  
Director's Plan [Member]
    
Stock Option Plan, Exercise Price Range [Line Items]    
Options outstanding and exercisable (in shares) 25,670  
Options outstanding and exercisable, weighted average exercise price (in dollars per share) $ 22.00  
Options outstanding and exercisable, weighted average remaining term 1 year 6 months  
Director's Plan [Member] | $21.00 - $23.00 [Member]
    
Stock Option Plan, Exercise Price Range [Line Items]    
Range of exercise prices, lower range limit (in dollars per share) $ 21.00  
Range of exercise prices, upper range limit (in dollars per share) $ 23.00  
Options outstanding and exercisable (in shares) 25,670  
Options outstanding and exercisable, weighted average exercise price (in dollars per share) $ 22.00  
Options outstanding and exercisable, weighted average remaining term 1 year 6 months  
Director's Plan [Member] | Stock Options [Member]
    
Stock Option Plan, Exercise Price Range [Line Items]    
Options exercisable (in shares) 25,670 58,306
Options exercisable, weighted average exercise price (in dollars per share) $ 22.00 $ 21.15
2007 Long-Term Incentive Plan [Member]
    
Stock Option Plan, Exercise Price Range [Line Items]    
Options exercisable (in shares) 74,386 75,706
Options exercisable, weighted average exercise price (in dollars per share) $ 9.28 $ 9.88
2007 Long-Term Incentive Plan [Member] | Stock Options [Member]
    
Stock Option Plan, Exercise Price Range [Line Items]    
Options outstanding and exercisable (in shares) 89,386  
Options outstanding and exercisable, weighted average exercise price (in dollars per share) $ 7.95  
Options outstanding and exercisable, weighted average remaining term 4 years  
Options exercisable (in shares) 74,386  
Options exercisable, weighted average exercise price (in dollars per share) $ 9.28  
2007 Long-Term Incentive Plan [Member] | Stock Options [Member] | $4.50 [Member]
    
Stock Option Plan, Exercise Price Range [Line Items]    
Range of exercise prices, upper range limit (in dollars per share) $ 4.50  
Options outstanding and exercisable (in shares) 51,550  
Options outstanding and exercisable, weighted average exercise price (in dollars per share) $ 4.50  
Options outstanding and exercisable, weighted average remaining term 4 years 3 months 18 days  
Options exercisable (in shares) 51,550  
Options exercisable, weighted average exercise price (in dollars per share) $ 4.50  
2007 Long-Term Incentive Plan [Member] | Stock Options [Member] | $20.08 [Member]
    
Stock Option Plan, Exercise Price Range [Line Items]    
Range of exercise prices, upper range limit (in dollars per share) $ 20.08  
Options outstanding and exercisable (in shares) 22,836  
Options outstanding and exercisable, weighted average exercise price (in dollars per share) $ 20.08  
Options outstanding and exercisable, weighted average remaining term 3 years 3 months 18 days  
Options exercisable (in shares) 22,836  
Options exercisable, weighted average exercise price (in dollars per share) $ 20.08  
2007 Long-Term Incentive Plan [Member] | Stock Options [Member] | $1.36 [Member]
    
Stock Option Plan, Exercise Price Range [Line Items]    
Range of exercise prices, upper range limit (in dollars per share) $ 1.36  
Options outstanding and exercisable (in shares) 15,000  
Options outstanding and exercisable, weighted average exercise price (in dollars per share) $ 1.36  
Options outstanding and exercisable, weighted average remaining term 9 years 3 months 18 days  
Options exercisable (in shares) 0  
Options exercisable, weighted average exercise price (in dollars per share) $ 0  
XML 104 R38.htm IDEA: XBRL DOCUMENT v2.4.0.8
LEASE COMMITMENTS (Tables)
 12 Months Ended
Dec. 31, 2013
LEASE COMMITMENTS [Abstract]  
Minimum rental commitments
The Company leases various premises under operating lease agreements, which expire through 2024 and require minimum annual rentals.  Some of these leases are cancelable.  The approximate minimum rental commitments under the leases are as follows for the year ended December 31, 2013:

 
 
As of
 
(In thousands)
 
December 31, 2013
 
2014
 
$
858
 
2015
  
874
 
2016
  
886
 
2017
  
860
 
2018
  
818
 
Thereafter
  
2,070
 
Total lease commitments
 
$
6,366
 
XML 105 R20.htm IDEA: XBRL DOCUMENT v2.4.0.8
LEGAL CONTINGENCIES
 12 Months Ended
Dec. 31, 2013
LEGAL CONTINGENCIES [Abstract]  
LEGAL CONTINGENCIES
NOTE 13 – LEGAL CONTINGENCIES

Royal Bank had a 60% equity interest in each of CSC and RTL.  CSC and RTL acquired, through public auction, delinquent tax liens in various jurisdictions thereby assuming a superior lien position to most other lien holders, including mortgage lien holders.   On March 4, 2009, each of CSC and RTL received grand jury subpoenas issued by the U.S. District Court for New Jersey (“Court”) upon application of the Antitrust Division of the United States DOJ.  On February 23, 2012, the former President of CSC and RTL entered a plea of guilty to one count of conspiring to rig bids at certain auctions for tax liens in New Jersey from 1998 until approximately the spring of 2009.  On September 26, 2012, as a result of the former President’s guilty plea and pursuant to a plea agreement with the DOJ, CSC entered a guilty plea in the United States District Court for the District of New Jersey to one count of conspiracy to commit bid-rigging at certain auctions for tax liens in New Jersey.  Under the terms of the Court accepted plea agreement, the DOJ agreed not to bring further criminal charges against CSC and not to bring criminal charges against RTL, or any current or former director, officer, or employee of CSC and/or RTL, for any act or offense committed prior to the date of the plea agreement that was in furtherance of any agreement to rig bids at municipal tax lien sales or auctions in the State of New Jersey. The former President of CSC and RTL and any person who bid at any time at a tax lien auction on behalf of CSC and/or RTL are excluded from this non-prosecution protection.  At the sentencing hearing held in December 2012, the sentencing judge agreed with the DOJ’s recommendation and imposed a $2.0 million fine for CSC.  After adjusting for the noncontrolling interest, the Company’s 60% share of the fine amounted to $1.2 million.

In 2012, the former President of CSC and RTL, CSC, RTL and the Company were named defendants, among others, in putative class action lawsuits filed in the U.S. District Court for the District of New Jersey (“Court”) on behalf of a proposed class of taxpayers who became delinquent in paying their municipal tax obligations which alleged a conspiracy to rig bids in municipal tax lien auctions.   On June 12, 2012, the Court entered an Order consolidating for pretrial purposes the actions with all subsequently filed or transferred related actions, collectively referred to as In re New Jersey Tax Sale Certificates Antitrust Litigation.  On October 22, 2012, the Court appointed two law firms as interim class counsel and another law firm as liaison class counsel and further ordered appointed counsel to a master complaint for the consolidated action.  On December 21, 2012, plaintiffs filed a Consolidated Master Class Action Complaint (the “Complaint”) against numerous defendants, including the former President of CSC and RTL, Royal Bancshares of Pennsylvania, Inc., Royal Bank America, CSC and RTL.  The Company filed a motion to dismiss the Complaint on March 8, 2013, which is currently pending before the Court.

During the second quarter of 2013, the Company accrued a loss contingency of $1.65 million for a potential settlement with the plaintiffs. After adjusting for the noncontrolling interest, the Company’s 60% share of the loss contingency amounted to $990,000 on a pre-tax basis.  Subsequently, the Company, Royal Bank, CSC, and RTL reached a settlement agreement with plaintiffs to settle the litigation for $1.65 million and other terms and conditions, including an opportunity for members of the proposed settlement class whose tax liens are currently held by CSC or RTL to redeem those liens for a one-time cash payment equaling 85% of the redemption amount by making such payment within 35 days of the date of written notice.  The proposed settlement class does not include, and therefore the offer to redeem does not apply to, tax liens acquired at 0% interest or at a premium.  The settlement is subject to Court approval after notice and a hearing.  Members of the proposed settlement class will have an opportunity to object to the proposed settlement or opt-out.
 
On or about March 15, 2012, CSC, RTL and the Company were named defendants, among others, in a complaint filed by Marina Bay Towers Urban Renewal II, LP (“MBT”) in the Superior Court of New Jersey, Law Division, Cape May County.  The complaint alleges essentially the same claims as asserted in the Complaint.  However MBT does not seek to represent a class and only seeks remedies related to itself.  As of the date of this filing, the Company cannot reasonably estimate the possible loss or range of loss that may result from this proceeding.
 
In 2005, the Company purchased $25.0 million in Class B-1 Notes of a collateralized debt obligation (“CDO”) offered by Lehman Brothers, Inc.  Concurrently with the issuance of the notes, the issuer entered into a credit swap with Lehman Brothers Special Financing (“LBSF”).  Lehman Brothers Holdings, Inc. (“LBHI”) guaranteed LBSF’s obligations to the issuer under the credit swap. When LBHI filed for bankruptcy in September 2008, an event of default under the indenture occurred, and the trustee declared the notes to be immediately due and payable.  The Company was repaid its principal on the notes in September 2008.  In September 2010, LBSF filed suit in the United States Bankruptcy court for the Southern District of New York against certain indenture trustees, certain special-purpose entities (issuers) and a class of noteholders and trust certificate holders who received distributions from the trustees, to recover funds that were allegedly improperly paid to the noteholders in forty-seven separate CDO transactions.  In July 2012, LBSF added the Company as a defendant in the proceeding. In June 2013, LBSF voluntarily dismissed without prejudice and without costs all claims against the Company related to the CDO transaction.