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Regulatory Capital Requirements (Tables)
6 Months Ended
Jun. 30, 2014
Regulatory Capital Requirements [Abstract]  
Royal Bank's capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At June 30, 2014

 

 

 

 

 

 

 

 

 

 

 

 

To be well capitalized

 

 

 

 

 

 

 

 

For capital

 

under prompt corrective

 

 

 

Actual

 

adequacy purposes

 

action provision

 

(Dollars in thousands)

 

Amount

 

Ratio

 

Amount

 

Ratio

 

Amount

 

Ratio

 

Total capital (to risk-weighted assets)

 

$

74,932 

 

16.20 

%  

$

37,006 

 

8.00 

%  

$

46,257 

 

10.00 

%  

Tier I capital (to risk-weighted assets)

 

$

69,218 

 

14.96 

%  

$

18,503 

 

4.00 

%  

$

27,754 

 

6.00 

%  

Tier I capital (to average assets, leverage)

 

$

69,218 

 

9.50 

%  

$

29,137 

 

4.00 

%  

$

36,421 

 

5.00 

%  

 

Adjustments to net loss as well as the capital ratios

 

 

 

 

 

 

 

 

 

 

For the six

 

 

 

months ended

 

(In thousands)

 

June 30, 2014

 

RAP net loss

 

$

(1,121)

 

Tax lien adjustment, net of noncontrolling interest

 

 

4,065 

 

U.S. GAAP net income

 

$

2,944 

 

 

 

 

 

 

 

 

 

 

 

 

At June 30, 2014

 

 

 

As reported

 

As adjusted

 

 

 

under RAP

 

for U.S. GAAP

 

Total capital (to risk-weighted assets)

 

16.20 

%  

16.93 

%  

Tier I capital (to risk-weighted assets)

 

14.96 

%  

15.72 

%  

Tier I capital (to average assets, leverage)

 

9.50 

%  

10.01 

%  

 

Company capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At June 30, 2014

 

 

 

 

 

 

 

 

 

 

 

 

 

To be well capitalized

 

 

 

 

 

 

 

 

For capital

 

under prompt corrective

 

 

 

Actual

 

adequacy purposes

 

action provision

 

(Dollars in thousands)

 

Amount

 

Ratio

 

Amount

 

Ratio

 

Amount

 

Ratio

 

Total capital (to risk-weighted assets)

 

$

86,838 

 

18.43 

%  

$

37,692 

 

8.00 

%  

N/A

 

N/A

 

Tier I capital (to risk-weighted assets)

 

$

75,386 

 

16.00 

%  

$

18,846 

 

4.00 

%  

N/A

 

N/A

 

Tier I capital (to average assets, leverage)

 

$

75,386 

 

10.19 

%  

$

29,595 

 

4.00 

%  

N/A

 

N/A

 

 

Adjustment to Company's capital ratio under RAP

 

 

 

 

 

 

 

 

    

For the six

 

 

 

months ended

 

(In thousands)

 

June 30, 2014

 

U.S. GAAP net income

 

$

2,875 

 

Tax lien adjustment, net of noncontrolling interest

 

 

(4,065)

 

RAP net loss

 

$

(1,190)

 

 

 

 

 

 

 

 

 

 

 

At June 30, 2014

 

 

    

As reported

    

As adjusted

 

 

 

under U.S. GAAP

 

for RAP

 

Total capital (to risk-weighted assets)

 

18.43 

%  

17.43 

%  

Tier I capital (to risk-weighted assets)

 

16.00 

%  

14.97 

%  

Tier I capital (to average assets, leverage)

 

10.19 

%  

9.50 

%