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Regulatory Capital Requirements (Tables)
3 Months Ended
Mar. 31, 2017
Regulatory Capital Requirements [Abstract]  
Royal Bank's capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At March 31, 2017

 

 

 

 

 

 

 

 

 

 

 

 

 

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)

 

$

79,130

 

12.320

%  

$

59,411

 

9.250

%  

$

64,228

 

10.000

%  

Tier 1 capital (to risk-weighted assets)

 

$

70,998

 

11.054

%  

$

46,566

 

7.250

%  

$

51,383

 

8.000

%  

Tier 1 capital (to average assets, leverage)

 

$

70,998

 

8.619

%  

$

32,950

 

4.000

%  

$

41,188

 

5.000

%  

Common equity Tier 1 (to risk-weighted assets)

 

$

70,437

 

10.967

%  

$

36,931

 

5.750

%  

$

41,748

 

6.500

%  

 

Adjustments to net loss as well as the capital ratios

 

 

 

 

 

 

 

 

 

 

 

For the three months ended

(In thousands)

    

March 31, 2017

RAP net income

 

$

757

Tax lien adjustment, net of noncontrolling interest

 

 

1,298

U.S. GAAP net income

 

$

2,055

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At March 31, 2017

 

 

 

As reported

 

As adjusted

 

 

    

under RAP

    

for U.S. GAAP

    

Total capital (to risk-weighted assets)

 

12.320

%  

12.502

%  

Tier 1 capital (to risk-weighted assets)

 

11.054

%  

11.236

%  

Tier 1 capital (to average assets, leverage)

 

8.619

%  

8.765

%  

Common equity Tier 1 (to risk-weighted assets)

 

10.967

%  

11.148

%  

 

Company capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At March 31, 2017

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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)

 

$

86,088

 

13.341

%  

$

59,689

 

9.250

%  

$

64,529

 

10.00 

%  

Tier 1 capital (to risk-weighted assets)

 

$

70,816

 

10.974

%  

$

46,783

 

7.250

%  

$

38,717

 

6.00 

%  

Tier 1 capital (to average assets, leverage)

 

$

70,816

 

8.529

%  

$

33,211

 

4.000

%  

 

N/A

 

N/A

 

Common equity Tier 1 (to risk-weighted assets)

 

$

52,431

 

8.125

%  

$

37,104

 

5.750

%  

 

N/A

 

N/A

 

 

Adjustment to Company's capital ratio under RAP

 

 

 

 

 

 

 

    

 

 

 

For the three months ended

(In thousands)

    

March 31, 2017

U.S. GAAP net income

 

$

1,812

Tax lien adjustment, net of noncontrolling interest

 

 

(1,298)

RAP net income

 

$

514

 

 

 

 

 

 

 

 

 

 

At March 31, 2017

 

 

    

As reported

    

As adjusted

 

 

    

under U.S. GAAP

    

for RAP

    

Total capital (to risk-weighted assets)

 

13.341

%  

13.162

%  

Tier 1 capital (to risk-weighted assets)

 

10.974

%  

10.727

%  

Tier 1 capital (to average assets, leverage)

 

8.529

%  

8.333

%  

Common equity Tier 1 (to risk-weighted assets)

 

8.125

%  

7.938

%