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Regulatory Capital Requirements (Tables)
 9 Months Ended
Sep. 30, 2014
Regulatory Capital Requirements [Abstract]  
Royal Bank's capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At September 30, 2014

 

 

 

 

 

 

 

 

 

 

 

 

To be well capitalized

 

 

 

 

 

 

 

 

For capital

 

under prompt corrective

 

 

 

Actual

 

adequacy purposes

 

action provision

 

(Dollars in thousands)

 

Amount

 

Ratio

 

Amount

 

Ratio

 

Amount

 

Ratio

 

Total capital (to risk-weighted assets)

 

$
76,403 

 
15.99 

%  

$
38,237 

 
8.00 

%  

$
47,796 

 
10.00 

%  

Tier I capital (to risk-weighted assets)

 

$
70,970 

 
14.85 

%  

$
19,118 

 
4.00 

%  

$
28,677 

 
6.00 

%  

Tier I capital (to average assets, leverage)

 

$
70,970 

 
9.96 

%  

$
28,492 

 
4.00 

%  

$
35,615 

 
5.00 

%  

 

Adjustments to net loss as well as the capital ratios

 

 

 

 

 

 

 

 

 

 

For the nine

 

 

 

months ended

 

(In thousands)

 

September 30, 2014

 

RAP net income

 

$
682 

 

Tax lien adjustment, net of noncontrolling interest

 

 
3,556 

 

U.S. GAAP net income

 

$
4,238 

 

 

 

 

 

 

 

 

 

 

 

 

At September 30, 2014

 

 

 

As reported

 

As adjusted

 

 

 

under RAP

 

for U.S. GAAP

 

Total capital (to risk-weighted assets)

 
15.99 

%  
16.61 

%  

Tier I capital (to risk-weighted assets)

 
14.85 

%  
15.49 

%  

Tier I capital (to average assets, leverage)

 
9.96 

%  
10.42 

%  

 

Company capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At September 30, 2014

 

 

 

 

 

 

 

 

 

 

 

 

 

To be well capitalized

 

 

 

 

 

 

 

 

For capital

 

under prompt corrective

 

 

 

Actual

 

adequacy purposes

 

action provision

 

(Dollars in thousands)

 

Amount

 

Ratio

 

Amount

 

Ratio

 

Amount

 

Ratio

 

Total capital (to risk-weighted assets)

 

$
94,205 

 
19.37 

%  

$
38,899 

 
8.00 

%  

N/A

 

N/A

 

Tier I capital (to risk-weighted assets)

 

$
85,328 

 
17.55 

%  

$
19,449 

 
4.00 

%  

N/A

 

N/A

 

Tier I capital (to average assets, leverage)

 

$
85,328 

 
11.78 

%  

$
28,975 

 
4.00 

%  

N/A

 

N/A

 

 

Adjustment to Company's capital ratio under RAP

 

 

 

 

 

 

 

 

    

For the nine

 

 

 

months ended

 

(In thousands)

 

September 30, 2014

 

U.S. GAAP net income

 

$
4,298 

 

Tax lien adjustment, net of noncontrolling interest

 

 
(3,556)

 

RAP net income

 

$
742 

 

 

 

 

 

 

 

 

 

 

 

At September 30, 2014

 

 

    

As reported

    

As adjusted

 

 

 

under U.S. GAAP

 

for RAP

 

Total capital (to risk-weighted assets)

 
19.37 

%  
18.78 

%  

Tier I capital (to risk-weighted assets)

 
17.55 

%  
16.68 

%  

Tier I capital (to average assets, leverage)

 
11.78 

%  
11.17 

%