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

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Actual

 

For capital adequacy purposes

 

To be well capitalized under prompt corrective action provision

 

(Dollars in thousands)

 

Amount

 

Ratio

 

Amount

 

Ratio*

 

Amount

 

Ratio

 

Total capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At December 31, 2016

 

$
76,716

 
12.185

%

$
54,301

 
8.625

%

$
62,957

 
10.000

%

At December 31, 2015

 

$
87,354

 
15.802

%

$
44,225

 
8.000

%

$
55,281

 
10.000

%

Tier 1 capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At December 31, 2016

 

$
68,743

 
10.919

%

$
41,709

 
6.625

%

$
50,366

 
8.000

%

At December 31, 2015

 

$
80,410

 
14.546

%

$
33,169

 
6.000

%

$
44,225

 
6.000

%

Tier 1 capital (to average assets, leverage)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At December 31, 2016

 

$
68,743

 
8.573

%

$
32,076

 
4.000

%

$
40,095

 
5.000

%

At December 31, 2015

 

$
80,410

 
10.589

%

$
30,374

 
4.000

%

$
37,968

 
5.000

%

Common equity Tier 1 (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At December 31, 2016

 

$
69,681

 
11.068

%

$
32,266

 
5.125

%

$
40,922

 
6.500

%

At December 31, 2015

 

$
58,824

 
10.641

%

$
24,876

 
4.500

%

$
35,933

 
6.500

%

 

*

Adjustments to net loss as well as the capital ratios

*The 2016 ratios include the capital conservation buffer of 0.625%.

The tables below reflect the adjustments to the net income as well as the capital ratios for Royal Bank under U.S. GAAP:

 

 

 

 

 

 

 

 

 

 

For the year ended

 

For the year ended

(In thousands)

   

December 31, 2016

   

December 31, 2015

RAP net income

 

$
8,775

 

$
9,161

Tax lien adjustment, net of noncontrolling interest

 

 
1,544

 

 
1,973

U.S. GAAP net income

 

$
10,319

 

$
11,134

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At December 31, 2016

 

At December 31, 2015

 

 

 

As reported

 

As adjusted

 

As reported

 

As adjusted

 

 

   

under RAP

   

for U.S. GAAP

   

under RAP

   

for U.S. GAAP

   

Total capital (to risk-weighted assets)

 
12.185

%
12.405

%
15.802

%
16.109

%

Tier 1 capital (to risk-weighted assets)

 
10.919

%
11.139

%
14.546

%
14.853

%

Tier 1 capital (to average assets, leverage)

 
8.573

%
8.750

%
10.589

%
10.824

%

Common equity Tier 1 (to risk-weighted assets)

 
11.068

%
11.040

%
10.641

%
10.962

%

 

Company capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Actual

 

For capital adequacy purposes

 

To be well capitalized under the Federal Reserve's regulations

 

(Dollars in thousands)

 

Amount

 

Ratio

 

Amount

 

Ratio*

 

Amount

 

Ratio

 

Total capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At December 31, 2016

 

$
84,056

 
13.302

%

$
54,503

 
8.625

%

$
63,192

 
10.000

%

 At December 31, 2015

 

$
103,355

 
18.574

%

$
44,516

 
8.000

%

$
55,645

 
10.000

%

Tier 1 capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At December 31, 2016

 

$
68,326

 
10.812

%

$
41,865

 
6.000

%

$
37,915

 
6.000

%

At December 31, 2015

 

$
95,316

 
17.129

%

$
33,387

 
6.000

%

$
33,387

 
6.000

%

Tier 1 capital (to average assets, leverage)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At December 31, 2016

 

$
68,326

 
8.488

%

$
32,199

 
4.000

%

 

N/A

 

N/A

 

At December 31, 2015

 

$
95,316

 
12.444

%

$
30,638

 
4.000

%

 

N/A

 

N/A

 

Common equity Tier 1 (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At December 31, 2016

 

$
50,502

 
7.992

%

$
32,386

 
4.500

%

 

N/A

 

N/A

 

At December 31, 2015

 

$
52,115

 
9.366

%

$
25,040

 
4.500

%

 

N/A

 

N/A

 

 

Adjustment to Company's capital ratio under RAP

 

 

 

 

 

 

 

 

 

 

 

 

For the year ended

 

For the year ended

(In thousands)

   

December 31, 2016

   

December 31, 2015

U.S. GAAP net income attributable to Royal Bancshares

 

$
10,375

 

$
10,993

Tax lien adjustment, net of noncontrolling interest

 

 
(1,544)

 

 
(1,973)

RAP net income

 

$
8,831

 

$
9,020

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At December 31, 2016

 

At December 31, 2015

 

 

 

As reported

 

As adjusted

 

As reported

 

As adjusted

 

 

   

under U.S. GAAP

   

for RAP

   

under U.S. GAAP

   

for RAP

   

Total capital (to risk-weighted assets)

 
13.302

%
13.084

%
18.574

%
18.277

%

Tier 1 capital (to risk-weighted assets)

 
10.812

%
10.512

%
17.129

%
16.710

%

Tier 1 capital (to average assets, leverage)

 
8.488

%
8.248

%
12.444

%
12.127

%

Common equity Tier 1 (to risk-weighted assets)

 
7.992

%
8.012

%
9.366

%
9.040

%