Regulatory Capital Requirements (Tables)

6 Months Ended

Jun. 30, 2012

Regulatory Capital Requirements [Abstract]

Schedule of capital ratios under regulatory accounting principles

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 June 30, 2012
											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)	$	82,885		16.52	%	$	40,136		8.00	%	$	50,169		10.00	%
Tier I capital (to risk-weighted assets)	$	76,475		15.24	%	$	20,068		4.00	%	$	30,102		6.00	%
Tier I capital (to average assets, leverage)	$	76,475		9.37	%	$	32,654		4.00	%	$	40,817		5.00	%

The tables below reflect the Company's capital ratios:

	As of June 30, 2012
											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)	$	102,413		19.81	%	$	41,368		8.00	%		N/A		N/A
Tier I capital (to risk-weighted assets)	$	94,613		18.30	%	$	20,684		4.00	%		N/A		N/A
Tier I capital (to average assets, leverage)	$	94,613		11.31	%	$	33,463		4.00	%		N/A		N/A

Schedule of 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 six
	months ended
(In thousands)	June 30, 2012
RAP net loss	$	(7,240	)
Tax lien adjustment, net of noncontrolling interest		5,529
U.S. GAAP net loss	$	(1,711	)

	At June 30, 2012
	As reported			As adjusted
	under RAP			for U.S. GAAP
Total capital (to risk-weighted assets)		16.52	%		18.05	%
Tier I capital (to risk-weighted assets)		15.24	%		16.77	%
Tier I capital (to average assets, leverage)		9.37	%		10.38	%

The Company has filed the Consolidated Financial Statements for Bank Holding Companies-FR Y-9C ("FR Y-9C") as of June 30, 2012 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.

	For the six
	months ended
(In thousands)	June 30, 2012
U.S. GAAP net loss	$	(2,819	)
Tax lien adjustment, net of noncontrolling interest		(5,529	)
RAP net loss	$	(8,348	)

	At June 30, 2012
	As reported			As adjusted
	under U.S. GAAP			for RAP
Total capital (to risk-weighted assets)		19.81	%		18.33	%
Tier I capital (to risk-weighted assets)		18.30	%		16.82	%
Tier I capital (to average assets, leverage)		11.31	%		10.32	%