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Regulatory Capital Requirements (Tables)
9 Months Ended
Sep. 30, 2016
Regulatory Capital Requirements [Abstract]  
Royal Bank's capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At September 30, 2016

 

 

 

 

 

 

 

 

 

 

 

 

 

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)

 

$

90,551

 

14.794

%  

$

52,792

 

8.625

%  

$

61,208

 

10.000

%  

Tier 1 capital (to risk-weighted assets)

 

$

82,868

 

13.539

%  

$

40,550

 

6.625

%  

$

48,966

 

8.000

%  

Tier 1 capital (to average assets, leverage)

 

$

82,868

 

10.354

%  

$

32,015

 

4.000

%  

$

40,019

 

5.000

%  

Common equity Tier 1 (to risk-weighted assets)

 

$

65,242

 

10.659

%  

$

31,369

 

5.125

%  

$

39,785

 

6.500

%  

 

Adjustments to net loss as well as the capital ratios

 

 

 

 

 

 

 

 

For the nine

 

 

months ended

(In thousands)

    

September 30, 2016

RAP net income

 

$

4,410

Tax lien adjustment, net of noncontrolling interest

 

 

1,560

U.S. GAAP net income

 

$

5,970

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At September 30, 2016

 

 

 

As reported

 

As adjusted

 

 

    

under RAP

    

for U.S. GAAP

    

Total capital (to risk-weighted assets)

 

14.794

%  

15.016

%  

Tier 1 capital (to risk-weighted assets)

 

13.539

%  

13.761

%  

Tier 1 capital (to average assets, leverage)

 

10.354

%  

10.530

%  

Common equity Tier 1 (to risk-weighted assets)

 

10.659

%  

10.889

%  

 

Company capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At September 30, 2016

 

 

 

 

 

 

 

 

 

 

 

 

 

 

To be well capitalized

 

 

 

 

 

 

 

 

For capital

 

 

under the Federal

 

 

 

Actual

 

adequacy purposes

 

Reserve's regulations

 

(Dollars in thousands)

    

Amount

    

Ratio

    

Amount

    

Ratio*

    

Amount

    

Ratio

    

Total capital (to risk-weighted assets)

 

$

100,544

 

16.361

%  

$

53,003

 

8.625

%  

$

61,453

 

10.00

%  

Tier 1 capital (to risk-weighted assets)

 

$

90,606

 

14.744

%  

$

40,713

 

6.625

%  

$

36,872

 

6.00

%  

Tier 1 capital (to average assets, leverage)

 

$

90,606

 

11.220

%  

$

32,303

 

4.000

%  

 

N/A

 

N/A

 

Common equity Tier 1 (to risk-weighted assets)

 

$

55,124

 

8.970

%  

$

31,495

 

5.125

%  

 

N/A

 

N/A

 

 

Adjustment to Company's capital ratio under RAP

 

 

 

 

 

 

 

    

For the nine

 

 

months ended

(In thousands)

    

September 30, 2016

U.S. GAAP net income

 

$

6,253

Tax lien adjustment, net of noncontrolling interest

 

 

(1,560)

RAP net income

 

$

4,693

 

 

 

 

 

 

 

 

 

 

At September 30, 2016

 

 

    

As reported

    

As adjusted

 

 

    

under U.S. GAAP

    

for RAP

    

Total capital (to risk-weighted assets)

 

16.361

%  

16.143

%  

Tier 1 capital (to risk-weighted assets)

 

14.744

%  

14.439

%  

Tier 1 capital (to average assets, leverage)

 

11.220

%  

10.981

%  

Common equity Tier 1 (to risk-weighted assets)

 

8.970

%  

8.736

%