REGULATORY CAPITAL REQUIREMENTS (Tables)

12 Months Ended

Dec. 31, 2012

REGULATORY CAPITAL REQUIREMENTS [Abstract]

Royal Bank's capital ratios

The table below sets forth Royal Bank's capital ratios under RAP based on the FDIC's interpretation of the Call Report instructions:

											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)
At December 31, 2012	$	71,891		16.10	%	$	35,732		8.00	%	$	45,169		10.00	%
At December 31, 2011	$	82,375		15.04	%	$	43,803		8.00	%	$	54,754		10.00	%
Tier I capital (to risk-weighted assets)
At December 31, 2012	$	66,164		14.81	%	$	17,866		4.00	%	$	27,101		6.00	%
At December 31, 2011	$	75,413		13.77	%	$	21,902		4.00	%	$	32,852		6.00	%
Tier I capital (to average assets, leverage)
At December 31, 2012	$	66,164		8.53	%	$	31,012		4.00	%	$	38,765		5.00	%
At December 31, 2011	$	75,413		9.09	%	$	33,189		4.00	%	$	41,486		5.00	%

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 years ended December 31,
(In thousands)	2012			2011
RAP net loss	$	(17,974	)	$	(15,626	)
Tax lien adjustment, net of noncontrolling interest		4,731			7,738
U.S. GAAP net loss	$	(13,243	)	$	(7,888	)

	At December 31, 2012						At December 31, 2011
	As reported			As adjusted			As reported			As adjusted
	under RAP			for U.S. GAAP			under RAP			for U.S. GAAP
Total capital (to risk-weighted assets)		16.10	%		17.57	%		15.04	%		17.02	%
Tier I capital (to risk-weighted assets)		14.81	%		16.29	%		13.77	%		15.75	%
Tier I capital (to average assets, leverage)		8.53	%		9.45	%		9.09	%		10.48	%

Company capital ratios

The tables below reflect the Company's capital ratios:

											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)
At December 31, 2012	$	88,838		19.33	%	$	36,774		8.00	%		N/A		N/A
At December 31, 2011	$	106,745		18.82	%	$	45,386		8.00	%		N/A		N/A
Tier I capital (to risk-weighted assets)
At December 31, 2012	$	77,450		16.85	%	$	18,387		4.00	%		N/A		N/A
At December 31, 2011	$	99,539		17.55	%	$	22,693		4.00	%		N/A		N/A
Tier I Capital (to average assets, leverage)
At December 31, 2012	$	77,450		9.80	%	$	31,614		4.00	%		N/A		N/A
At December 31, 2011	$	99,539		11.64	%	$	34,209		4.00	%		N/A		N/A

Adjustment to Company's capital ratio under RAP

The Company has filed the Consolidated Financial Statements for Bank Holding Companies-FR Y-9C ("FR Y-9C") as of December 31, 2012 consistent with U.S. GAAP and the FR Y-9C instructions.  In the event 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 years ended December 31,
(In thousands)	2012			2011
U.S. GAAP net loss	$	(15,625	)	$	(8,563	)
Tax lien adjustment, net of noncontrolling interest		(4,731	)		(7,738	)
RAP net loss	$	(20,356	)	$	(16,301	)

	At December 31, 2012						At December 31, 2011
	As reported			As adjusted			As reported			As adjusted
	under U.S. GAAP			for RAP			under U.S. GAAP			for RAP
Total capital (to risk-weighted assets)		19.33	%		17.90	%		18.82	%		16.90	%
Tier I capital (to risk-weighted assets)		16.85	%		14.82	%		17.55	%		15.63	%
Tier I capital (to average assets, leverage)		9.80	%		8.56	%		11.64	%		10.29	%