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Regulatory Capital Requirements (Tables)
 3 Months Ended
Mar. 31, 2014
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:
 
 
 
At March 31, 2014
 
 
 
Actual
  
For capital
adequacy purposes
  
To be well capitalized
under prompt corrective
action provision
 
(Dollars in thousands)
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
Total capital (to risk-weighted assets)
 
$
73,194
   
16.17
%
 
$
36,218
   
8.00
%
 
$
45,272
   
10.00
%
Tier I capital (to risk-weighted assets)
 
$
67,458
   
14.90
%
 
$
18,109
   
4.00
%
 
$
27,163
   
6.00
%
Tier I capital (to average assets, leverage)
 
$
67,458
   
9.36
%
 
$
28,840
   
4.00
%
 
$
36,050
   
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:
 
(In thousands)
 
For the three
months ended
March 31, 2014
 
RAP net loss
 
$
(2,897
)
Tax lien adjustment, net of noncontrolling interest
  
4,456
 
U.S. GAAP net income
 
$
1,559
 

 
 
At March 31, 2014
 
 
 
As reported
under RAP
  
As adjusted
for U.S. GAAP
 
Total capital (to risk-weighted assets)
  
16.17
%
  
17.00
%
Tier I capital (to risk-weighted assets)
  
14.90
%
  
15.74
%
Tier I capital (to average assets, leverage)
  
9.36
%
  
9.92
%
Company capital ratios
The tables below reflect the Company’s capital ratios:
 
 
 
At March 31, 2014
 
 
 
Actual
  
For capital
adequacy purposes
  
To be well capitalized
under prompt corrective
action provision
 
(Dollars in thousands)
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
Total capital (to risk-weighted assets)
 
$
85,890
   
18.60
%
 
$
36,941
   
8.00
%
  
N/A
 
  
N/A
 
Tier I capital (to risk-weighted assets)
 
$
73,543
   
15.93
%
 
$
18,471
   
4.00
%
  
N/A
 
  
N/A
 
Tier I capital (to average assets, leverage)
 
$
73,543
   
10.03
%
 
$
29,335
   
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 March 31, 2014 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 table below.

(In thousands)
 
For the three
months ended
March 31, 2014
 
U.S. GAAP net income
 
$
1,498
 
Tax lien adjustment, net of noncontrolling interest
  
(4,456
)
RAP net loss
 
$
(2,958
)
 
 
 
At March 31, 2014
 
 
 
As reported
under U.S. GAAP
  
As adjusted
for RAP
 
Total capital (to risk-weighted assets)
  
18.60
%
  
17.79
%
Tier I capital (to risk-weighted assets)
  
15.93
%
  
14.79
%
Tier I capital (to average assets, leverage)
  
10.03
%
  
9.28
%