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Regulatory Capital Requirements (Tables)
6 Months Ended
Jun. 30, 2016
Regulatory Capital Requirements [Abstract]  
Royal Bank's capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At June 30, 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)

 

$

91,933

 

15.713

%  

$

50,464

 

8.625

%  

$

58,509

 

10.000

%  

Tier 1 capital (to risk-weighted assets)

 

$

84,586

 

14.457

%  

$

38,762

 

6.625

%  

$

46,807

 

8.000

%  

Tier 1 capital (to average assets, leverage)

 

$

84,586

 

10.675

%  

$

31,695

 

4.000

%  

$

39,618

 

5.000

%  

Common equity Tier 1 (to risk-weighted assets)

 

$

62,889

 

10.749

%  

$

29,986

 

5.125

%  

$

38,031

 

6.500

%  

 

Adjustments to net loss as well as the capital ratios

 

 

 

 

 

 

 

 

For the six

 

 

months ended

(In thousands)

    

June 30, 2016

RAP net income

 

$

2,059

Tax lien adjustment, net of noncontrolling interest

 

 

1,843

U.S. GAAP net income

 

$

3,902

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At June 30, 2016

 

 

 

As reported

 

As adjusted

 

 

    

under RAP

    

for U.S. GAAP

    

Total capital (to risk-weighted assets)

 

15.713

%  

15.983

%  

Tier 1 capital (to risk-weighted assets)

 

14.457

%  

14.727

%  

Tier 1 capital (to average assets, leverage)

 

10.675

%  

10.884

%  

Common equity Tier 1 (to risk-weighted assets)

 

10.749

%  

11.028

%  

 

Company capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At June 30, 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)

 

$

102,381

 

17.392

%  

$

50,772

 

8.625

%  

$

58,866

 

10.00

%  

Tier 1 capital (to risk-weighted assets)

 

$

93,490

 

15.882

%  

$

38,999

 

6.625

%  

$

35,320

 

6.00

%  

Tier 1 capital (to average assets, leverage)

 

$

93,490

 

11.701

%  

$

31,960

 

4.000

%  

 

N/A

 

N/A

 

Common equity Tier 1 (to risk-weighted assets)

 

$

54,613

 

9.277

%  

$

30,169

 

5.125

%  

 

N/A

 

N/A

 

 

Adjustment to Company's capital ratio under RAP

 

 

 

 

 

 

 

    

For the six

 

 

months ended

(In thousands)

    

June 30, 2016

U.S. GAAP net income

 

$

4,223

Tax lien adjustment, net of noncontrolling interest

 

 

(1,843)

RAP net income

 

$

2,380

 

 

 

 

 

 

 

 

 

 

At June 30, 2016

 

 

    

As reported

    

As adjusted

 

 

    

under U.S. GAAP

    

for RAP

    

Total capital (to risk-weighted assets)

 

17.392

%  

17.127

%  

Tier 1 capital (to risk-weighted assets)

 

15.882

%  

15.616

%  

Tier 1 capital (to average assets, leverage)

 

11.701

%  

11.495

%  

Common equity Tier 1 (to risk-weighted assets)

 

9.277

%  

8.993

%