Regulatory Capital Requirements (Tables)

9 Months Ended

Sep. 30, 2013

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:

	As of September 30, 2013
											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)	$	74,057		15.70	%	$	37,736		8.00	%	$	47,170		10.00	%
Tier I capital (to risk-weighted assets)	$	68,052		14.43	%	$	18,868		4.00	%	$	28,302		6.00	%
Tier I capital (to average assets, leverage)	$	68,052		9.39	%	$	28,995		4.00	%	$	36,244		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 nine
	months ended
(In thousands)	September 30, 2013
RAP net loss	$	(3,279	)
Tax lien adjustment, net of noncontrolling interest		3,372
U.S. GAAP net loss	$	93

	At September 30, 2013
	As reported			As adjusted
	under RAP			for U.S. GAAP
Total capital (to risk-weighted assets)		15.70	%		16.70	%
Tier I capital (to risk-weighted assets)		14.43	%		15.43	%
Tier I capital (to average assets, leverage)		9.39	%		10.09	%

Company capital ratios

The tables below reflect the Company’s capital ratios:

	As of September 30, 2013
											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)	$	88,256		18.29	%	$	38,606		8.00	%		N/	A		N/	A
Tier I capital (to risk-weighted assets)	$	76,352		15.82	%	$	19,303		4.00	%		N/	A		N/	A
Tier I capital (to average assets, leverage)	$	76,352		10.35	%	$	29,499		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 September 30, 2013 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 nine
	months ended
(In thousands)	September 30, 2013
U.S. GAAP net loss	$	(343	)
Tax lien adjustment, net of noncontrolling interest		(3,372	)
RAP net loss	$	(3,715	)

	At September 30, 2013
	As reported			As adjusted
	under U.S. GAAP			for RAP
Total capital (to risk-weighted assets)		18.29	%		17.34	%
Tier I capital (to risk-weighted assets)		15.82	%		14.46	%
Tier I capital (to average assets, leverage)		10.35	%		9.41	%