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

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At September 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)

 

$

84,720

 

15.99

%  

$

42,386

 

8.00

%  

$

52,983

 

10.00

%  

Tier 1 capital (to risk-weighted assets)

 

$

78,058

 

14.73

%  

$

31,790

 

6.00

%  

$

42,386

 

8.00

%  

Tier 1 capital (to average assets, leverage)

 

$

78,058

 

10.65

%  

$

29,307

 

4.00

%  

$

36,634

 

5.00

%  

Common equity Tier 1 (to risk-weighted assets)

 

$

58,622

 

11.06

%  

$

23,842

 

4.50

%  

$

34,439

 

6.50

%  

 

Adjustments to net loss as well as the capital ratios

 

 

 

 

 

 

 

 

For the nine

 

 

months ended

(In thousands)

    

September 30, 2015

RAP net income

 

$

2,403

Tax lien adjustment, net of noncontrolling interest

 

 

2,208

U.S. GAAP net income

 

$

4,611

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At September 30, 2015

 

 

 

As reported

 

As adjusted

 

 

    

under RAP

    

for U.S. GAAP

    

Total capital (to risk-weighted assets)

 

15.99

%  

16.35

%  

Tier 1 capital (to risk-weighted assets)

 

14.73

%  

15.09

%  

Tier 1 capital (to average assets, leverage)

 

10.65

%  

10.93

%  

Common equity Tier 1 (to risk-weighted assets)

 

11.06

%  

11.02

%  

 

Company capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At September 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)

 

$

101,091

 

18.96

%  

$

42,643

 

8.00

%  

$

53,304

 

10.00

%  

Tier 1 capital (to risk-weighted assets)

 

$

92,664

 

17.38

%  

$

31,982

 

6.00

%  

$

31,982

 

6.00

%  

Tier 1 capital (to average assets, leverage)

 

$

92,664

 

12.52

%  

$

29,609

 

4.00

%  

 

N/A

 

N/A

 

Common equity Tier 1 (to risk-weighted assets)

 

$

50,057

 

9.39

%  

$

23,987

 

4.50

%  

 

N/A

 

N/A

 

 

Adjustment to Company's capital ratio under RAP

 

 

 

 

 

 

 

    

For the nine

 

 

months ended

(In thousands)

    

September 30, 2015

U.S. GAAP net income

 

$

4,586

Tax lien adjustment, net of noncontrolling interest

 

 

(2,208)

RAP net income

 

$

2,378

 

 

 

 

 

 

 

 

 

 

At September 30, 2015

 

 

    

As reported

    

As adjusted

 

 

    

under U.S. GAAP

    

for RAP

    

Total capital (to risk-weighted assets)

 

18.96

%  

18.62

%  

Tier 1 capital (to risk-weighted assets)

 

17.38

%  

16.90

%  

Tier 1 capital (to average assets, leverage)

 

12.52

%  

12.16

%  

Common equity Tier 1 (to risk-weighted assets)

 

9.39

%  

9.43

%