Segment Information (Tables)

6 Months Ended

Jun. 30, 2012

Segment Information [Abstract]

Financial information for reportable business segments

The following tables present selected financial information for reportable business segments for the three and six month periods ended June 30, 2012 and 2011.

	Three months ended June 30, 2012
	Community			Tax Lien
(In thousands)	Banking			Operation			Consolidated
Total assets	$	779,932		$	50,694		$	830,626
Total deposits	$	582,292		$	-		$	582,292
Interest income	$	7,074		$	1,349		$	8,423
Interest expense		1,811			706			2,517
Net interest income	$	5,263		$	643		$	5,906
Provision for loan and lease losses		1,334			181			1,515
Total other  income		1,797			148			1,945
Total other expenses		6,811			1,781			8,592
Income tax expense (benefit)		306			(306	)		-
Net loss	$	(1,392	)	$	(864	)	$	(2,256	)
Noncontrolling interest	$	40		$	(346	)	$	(306	)
Net (loss) income attributable to Royal Bancshares	$	(1,432	)	$	(518	)	$	(1,950	)

	Three months ended June 30, 2011
	Community			Tax Lien
(In thousands)	Banking			Operation		Consolidated
Total assets	$	824,344		$	85,340	$	909,684
Total deposits	$	628,961		$	-	$	628,961
Interest income	$	8,162		$	1,838	$	10,000
Interest expense		3,197			643		3,840
Net interest income	$	4,965		$	1,195	$	6,160
Provision for loan and lease losses		2,863			193		3,056
Total other  income		2,755			32		2,787
Total other expenses		9,259			526		9,785
Income tax (benefit) expense		(196	)		196		-
Net (loss) income	$	(4,206	)	$	312	$	(3,894	)
Noncontrolling interest	$	206		$	125	$	331
Net (loss) income attributable to Royal Bancshares	$	(4,412	)	$	187	$	(4,225	)

	Six months ended June 30, 2012
	Community			Tax Lien
(In thousands)	Banking			Operation			Consolidated
Total assets	$	779,932		$	50,694		$	830,626
Total deposits	$	582,292		$	-		$	582,292
Interest income	$	14,291		$	2,938		$	17,229
Interest expense		3,712			1,618			5,330
Net interest income	$	10,579		$	1,320		$	11,899
Provision for loan and lease losses		1,443			156			1,599
Total other income		2,586			20			2,606
Total other expenses		12,583			4,076			16,659
Income tax expense (benefit)		357			(357	)		-
Net loss	$	(1,218	)	$	(2,535	)	$	(3,753	)
Noncontrolling interest	$	80		$	(1,014	)	$	(934	)
Net (loss) income attributable to Royal Bancshares	$	(1,298	)	$	(1,521	)	$	(2,819	)

	Six months ended June 30, 2011
	Community			Tax Lien
(In thousands)	Banking			Operation		Consolidated
Total assets	$	824,344		$	85,340	$	909,684
Total deposits	$	628,961		$	-	$	628,961
Interest income	$	16,347		$	4,227	$	20,574
Interest expense		6,503			1,356		7,859
Net interest income	$	9,844		$	2,871	$	12,715
Provision for loan and lease losses		4,836			304		5,140
Total other income		3,665			486		4,151
Total other expenses		15,824			930		16,754
Income tax (benefit) expense		(830	)		830		-
Net (loss) income	$	(6,321	)	$	1,293	$	(5,028	)
Noncontrolling interest	$	190		$	518	$	708
Net (loss) income attributable to Royal Bancshares	$	(6,511	)	$	775	$	(5,736	)