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Regulatory Capital Requirements (Tables)
3 Months Ended
Mar. 31, 2016
Regulatory Capital Requirements [Abstract]  
Royal Bank's capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At March 31, 2016

 

 

 

 

 

 

 

 

 

 

 

 

 

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)

 

$

89,899

 

15.640

%  

$

49,576

 

8.625

%  

$

57,480

 

10.000

%  

Tier 1 capital (to risk-weighted assets)

 

$

82,680

 

14.384

%  

$

38,080

 

6.625

%  

$

45,984

 

8.000

%  

Tier 1 capital (to average assets, leverage)

 

$

82,680

 

10.596

%  

$

31,210

 

4.000

%  

$

39,013

 

5.000

%  

Common equity Tier 1 (to risk-weighted assets)

 

$

62,959

 

10.953

%  

$

29,458

 

5.125

%  

$

37,362

 

6.500

%  

 

Adjustments to net loss as well as the capital ratios

 

 

 

 

 

 

 

 

For the three

 

 

months ended

(In thousands)

    

March 31, 2016

RAP net income

 

$

295

Tax lien adjustment, net of noncontrolling interest

 

 

1,948

U.S. GAAP net income

 

$

2,243

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At March 31, 2016

 

 

 

As reported

 

As adjusted

 

 

    

under RAP

    

for U.S. GAAP

    

Total capital (to risk-weighted assets)

 

15.640

%  

15.932

%  

Tier 1 capital (to risk-weighted assets)

 

14.384

%  

14.676

%  

Tier 1 capital (to average assets, leverage)

 

10.596

%  

10.822

%  

Common equity Tier 1 (to risk-weighted assets)

 

10.953

%  

10.915

%  

 

Company capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At March 31, 2016

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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)

 

$

100,112

 

17.303

%  

$

49,903

 

8.625

%  

$

57,858

 

10.00

%  

Tier 1 capital (to risk-weighted assets)

 

$

90,621

 

15.663

%  

$

38,331

 

6.625

%  

$

34,715

 

6.00

%  

Tier 1 capital (to average assets, leverage)

 

$

90,621

 

11.512

%  

$

31,487

 

4.000

%  

 

N/A

 

N/A

 

Common equity Tier 1 (to risk-weighted assets)

 

$

54,284

 

9.382

%  

$

29,652

 

5.125

%  

 

N/A

 

N/A

 

 

Adjustment to Company's capital ratio under RAP

 

 

 

 

 

 

 

    

For the three

 

 

months ended

(In thousands)

    

March 31, 2016

U.S. GAAP net income

 

$

2,189

Tax lien adjustment, net of noncontrolling interest

 

 

(1,948)

RAP net income

 

$

241

 

 

 

 

 

 

 

 

 

 

At March 31, 2016

 

 

    

As reported

    

As adjusted

 

 

    

under U.S. GAAP

    

for RAP

    

Total capital (to risk-weighted assets)

 

17.303

%  

17.016

%  

Tier 1 capital (to risk-weighted assets)

 

15.663

%  

15.262

%  

Tier 1 capital (to average assets, leverage)

 

11.512

%  

11.207

%  

Common equity Tier 1 (to risk-weighted assets)

 

9.382

%  

9.415

%