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Regulatory Capital Requirements (Tables)
6 Months Ended
Jun. 30, 2015
Regulatory Capital Requirements [Abstract]  
Royal Bank's capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At June 30, 2015

 

 

 

 

 

 

 

 

 

 

 

 

 

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)

 

$

82,851

 

15.81

%  

$

41,923

 

8.00

%  

$

52,404

 

10.00

%  

Tier 1 capital (to risk-weighted assets)

 

$

76,258

 

14.55

%  

$

31,442

 

6.00

%  

$

41,923

 

8.00

%  

Tier 1 capital (to average assets, leverage)

 

$

76,258

 

10.68

%  

$

28,574

 

4.00

%  

$

35,717

 

5.00

%  

Common equity Tier 1 (to risk-weighted assets)

 

$

57,025

 

10.88

%  

$

23,582

 

4.50

%  

$

34,062

 

6.50

%  

 

Adjustments to net loss as well as the capital ratios

 

 

 

 

 

 

 

 

For the six

 

 

months ended

(In thousands)

    

June 30, 2015

RAP net income

 

$

682

Tax lien adjustment, net of noncontrolling interest

 

 

2,352

U.S. GAAP net income

 

$

3,034

 

 

 

 

 

 

 

 

 

 

At June 30, 2015

 

 

 

As reported

 

As adjusted

 

 

    

under RAP

    

for U.S. GAAP

    

Total capital (to risk-weighted assets)

 

15.81

%  

16.20

%  

Tier 1 capital (to risk-weighted assets)

 

14.55

%  

14.94

%  

Tier 1 capital (to average assets, leverage)

 

10.68

%  

10.97

%  

Common equity Tier 1 (to risk-weighted assets)

 

10.88

%  

10.83

%  

 

Company capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At June 30, 2015

 

 

 

 

 

 

 

 

 

 

 

 

 

 

To be well capitalized

 

 

 

 

 

 

 

 

For capital

 

 

under the Federal

 

 

 

Actual

 

adequacy purposes

 

Reserve's regulations

 

(Dollars in thousands)

    

Amount

    

Ratio

    

Amount

    

Ratio

    

Amount

    

Ratio

    

Total capital (to risk-weighted assets)

 

$

99,428

 

18.78

%  

$

42,344

 

8.00

%  

$

52,930

 

10.00

%  

Tier 1 capital (to risk-weighted assets)

 

$

90,520

 

17.10

%  

$

31,758

 

6.00

%  

$

31,758

 

6.00

%  

Tier 1 capital (to average assets, leverage)

 

$

90,520

 

12.51

%  

$

28,947

 

4.00

%  

 

N/A

 

N/A

 

Common equity Tier 1 (to risk-weighted assets)

 

$

48,495

 

9.16

%  

$

23,818

 

4.50

%  

 

N/A

 

N/A

 

 

Adjustment to Company's capital ratio under RAP

 

 

 

 

 

 

    

For the six

 

 

months ended

(In thousands)

    

June 30, 2015

U.S. GAAP net income

 

$

3,052

Tax lien adjustment, net of noncontrolling interest

 

 

(2,352)

RAP net income

 

$

700

 

 

 

 

 

 

 

 

 

 

At June 30, 2015

 

 

    

As reported

    

As adjusted

 

 

    

under U.S. GAAP

    

for RAP

    

Total capital (to risk-weighted assets)

 

18.78

%  

18.41

%  

Tier 1 capital (to risk-weighted assets)

 

17.10

%  

16.58

%  

Tier 1 capital (to average assets, leverage)

 

12.51

%  

12.11

%  

Common equity Tier 1 (to risk-weighted assets)

 

9.16

%  

9.20

%