XML 39 R40.htm IDEA: XBRL DOCUMENT v2.4.0.6
Regulatory Matters and Significant Risks or Uncertainties (Details) (USD $)
3 Months Ended 6 Months Ended 12 Months Ended 36 Months Ended
Jun. 30, 2012
Mar. 31, 2012
Jun. 30, 2011
Jun. 30, 2012
Jun. 30, 2011
Dec. 31, 2011
Jun. 30, 2012
Dec. 31, 2010
Jun. 30, 2009
Federal Deposit Insurance Corporation and Department of Banking Orders [Abstract]                  
Minimum Tier one leverage ratio required (in hundredths) 8.00%     8.00%     8.00%    
Minimum total capital to risk weighted assets ratio required (in hundredths) 12.00%     12.00%     12.00%    
Continued Losses [Abstract]                  
Continued significant losses over four calendar years $ 104,000,000     $ 104,000,000     $ 104,000,000    
Net loss 1,950,000   4,225,000 2,819,000 5,736,000        
Improvement in net loss       2,900,000          
Percentage of improvement in net loss (in hundredths)       50.90%          
Reduction in provision for loan losses       3,500,000          
Loss contingency accrual 400,000 1,600,000 0 2,000,000 0        
Percentage of entity's share in loss contingency (in hundredths)       60.00%          
Amount of loss contingency 1,200,000     1,200,000     1,200,000    
Deferred tax valuation allowance 36,400,000     36,400,000     36,400,000    
Financing Receivable, Recorded Investment [Line Items]                  
Charge-offs to the allowance for loan and lease losses 628,000   6,897,000 781,000 7,074,000 13,211,000      
Other real estate owned (OREO) 23,727,000 24,304,000 25,448,000 23,727,000 25,448,000 21,016,000 23,727,000    
Net Classified Loans and Forecosed Property 60,500,000     60,500,000     60,500,000   149,600,000
Delinquent loans held for investment 4,100,000     4,100,000     4,100,000   36,300,000
Other than temporary impairment losses 859,000   381,000 859,000 381,000        
Accounts, Notes, Loans and Financing Receivable [Line Items]                  
Total gross loans 372,836,000   438,561,000 372,836,000 438,561,000 414,866,000 372,836,000    
Liquidity and Funds Management [Abstract]                  
Percentage of collateralized delivery requirement with federal home loan banks (in hundredths) 105.00%     105.00%     105.00%    
Available borrowing capacity at the federal home loan bank 30,100,000     30,100,000     30,100,000    
Unpledged agency securities were available to be pledged as collateral 183,600,000     183,600,000     183,600,000    
Cash on hand 32,418,000   54,806,000 32,418,000 54,806,000 24,506,000 32,418,000 51,733,000  
Amount of limited availability to borrow from the federal reserve discount window 5,600,000     5,600,000     5,600,000    
Liquidity to deposits ratio (in hundredths) 45.90%     45.90%     45.90%    
Percentage of policy target (in hundredths) 12.00%     12.00%     12.00%    
Liquidity to total liabilities ratio (in hundredths) 35.50%     35.50%     35.50%    
Percentage of aggregate policy target (in hundredths) 10.00%     10.00%     10.00%    
Brokered certificates of deposit 0     0   5,823,000 0   226,900,000
Borrowings declined             160,300,000    
Borrowings 123,600,000     123,600,000     123,600,000   283,900,000
Unfunded pension plan obligations 15,000,000     15,000,000     15,000,000    
Class of Stock [Line Items]                  
Suspend interest payments of trust preferred securities 25,774,000     25,774,000     25,774,000    
Interest expense, trust preferred securities       2,100,000          
Actual Ratio Under RAP [Abstract]                  
Total capital (to risk-weighted assets) (in hundredths) 16.52%     16.52%     16.52%    
Tier I capital (to average assets, leverage) (in hundredths) 9.37%     9.37%     9.37%    
Noncontrolling Interest [Line Items]                  
Change in loss contingency loss in period 400,000                
Management Plans [Abstract]                  
Assets 830,626,000   909,684,000 830,626,000 909,684,000 848,448,000 830,626,000   1,300,000,000
Reduction in assets             490,000,000    
Crusader Servicing Corporation [Member]
                 
Noncontrolling Interest [Line Items]                  
Ownership interest percentage in subsidiary (in hundredths) 60.00%     60.00%     60.00%    
Royal Tax Lien Services, LLC [Member]
                 
Noncontrolling Interest [Line Items]                  
Ownership interest percentage in subsidiary (in hundredths) 60.00%     60.00%     60.00%    
Royal Bank America Leasing, LP [Member]
                 
Noncontrolling Interest [Line Items]                  
Ownership interest percentage in subsidiary (in hundredths) 60.00%     60.00%     60.00%    
Series A Preferred Stock [Member]
                 
Class of Stock [Line Items]                  
Series A Preferred stock on which quarterly dividend suspended 30,400,000     30,400,000     30,400,000    
Preferred stock dividend in arrears       4,900,000          
Commercial real estate and construction and land development loans [Member]
                 
Accounts, Notes, Loans and Financing Receivable [Line Items]                  
Total gross loans 212,900,000     212,900,000   236,700,000 212,900,000    
Percentage of loans held for investment (in hundredths) 57.00%     57.00%   57.00% 57.00%    
CRE Loan Concentration 157,800,000     157,800,000     157,800,000   289,100,000
Commercial real estate [Member]
                 
Financing Receivable, Recorded Investment [Line Items]                  
Charge-offs to the allowance for loan and lease losses 0   1,685,000 0 1,685,000 1,685,000      
Accounts, Notes, Loans and Financing Receivable [Line Items]                  
Total gross loans 166,315,000   180,103,000 166,315,000 180,103,000 182,579,000 166,315,000    
CRE Concentration As A Percentage Of Total Capital RAP 190.40%     190.40%          
CRE Concentration Percentage Of Tier I Capital RAP 206.40%     206.40%          
CRE Concentration Percentage Of Tier I Capital US GAAP 184.20%     184.20%          
CRE Concentration As A Percentage Of Total Capital US GAAP 171.10%     171.10%          
Construction and land development [Member]
                 
Financing Receivable, Recorded Investment [Line Items]                  
Charge-offs to the allowance for loan and lease losses 0   3,649,000 0 3,649,000 5,755,000      
Accounts, Notes, Loans and Financing Receivable [Line Items]                  
Total gross loans 46,548,000   66,313,000 46,548,000 66,313,000 54,120,000 46,548,000    
CRE Concentration As A Percentage Of Total Capital RAP 56.70%     56.70%          
CRE Concentration Percentage Of Tier I Capital RAP 61.40%     61.40%          
CRE Concentration Percentage Of Tier I Capital US GAAP 54.80%     54.80%          
CRE Concentration As A Percentage Of Total Capital US GAAP 50.90%     50.90%          
Loans Receivable 47,000,000     47,000,000     47,000,000    
Nonperforming loans [Member]
                 
Financing Receivable, Recorded Investment [Line Items]                  
Non performing loans 32,145,000   62,729,000 32,145,000 62,729,000   32,145,000    
Accounts, Notes, Loans and Financing Receivable [Line Items]                  
Total gross loans 28,571,000     28,571,000   38,755,000 28,571,000    
Nonperforming loans [Member] | Commercial real estate [Member]
                 
Accounts, Notes, Loans and Financing Receivable [Line Items]                  
Total gross loans 12,047,000     12,047,000   16,671,000 12,047,000    
Nonperforming loans [Member] | Construction and land development [Member]
                 
Accounts, Notes, Loans and Financing Receivable [Line Items]                  
Total gross loans $ 6,818,000     $ 6,818,000   $ 13,014,000 $ 6,818,000