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Regulatory Capital Requirements (Tables)
6 Months Ended
Jun. 30, 2017
Regulatory Capital Requirements [Abstract]  
Royal Bank's capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At June 30, 2017

 

 

 

 

 

 

 

 

 

 

 

 

 

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)

 

$

82,588

 

13.296

%  

$

57,454

 

9.250

%  

$

62,113

 

10.000

%  

Tier 1 capital (to risk-weighted assets)

 

$

74,721

 

12.030

%  

$

45,032

 

7.250

%  

$

49,690

 

8.000

%  

Tier 1 capital (to average assets, leverage)

 

$

74,721

 

9.148

%  

$

32,671

 

4.000

%  

$

40,838

 

5.000

%  

Common equity Tier 1 (to risk-weighted assets)

 

$

74,081

 

11.927

%  

$

35,715

 

5.750

%  

$

40,373

 

6.500

%  

 

Adjustments to net loss as well as the capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

For the six months ended

(In thousands)

    

June 30, 2017

RAP net income

 

$

4,338

Tax lien adjustment, net of noncontrolling interest

 

 

903

U.S. GAAP net income

 

$

5,241

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At June 30, 2017

 

 

 

As reported

 

As adjusted

 

 

    

under RAP

    

for U.S. GAAP

    

Total capital (to risk-weighted assets)

 

13.296

%  

13.426

%  

Tier 1 capital (to risk-weighted assets)

 

12.030

%  

12.160

%  

Tier 1 capital (to average assets, leverage)

 

9.148

%  

9.251

%  

Common equity Tier 1 (to risk-weighted assets)

 

11.927

%  

12.054

%  

 

Company capital ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At June 30, 2017

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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)

 

$

88,975

 

14.267

%  

$

57,689

 

9.250

%  

$

62,366

 

10.00

%  

Tier 1 capital (to risk-weighted assets)

 

$

75,024

 

12.030

%  

$

45,216

 

7.250

%  

$

37,420

 

6.00

%  

Tier 1 capital (to average assets, leverage)

 

$

75,024

 

9.130

%  

$

32,871

 

4.000

%  

 

N/A

 

N/A

 

Common equity Tier 1 (to risk-weighted assets)

 

$

55,492

 

8.898

%  

$

35,861

 

5.750

%  

 

N/A

 

N/A

 

 

Adjustment to Company's capital ratio under RAP

 

 

 

 

 

 

 

    

 

 

 

For the six months ended

(In thousands)

    

June 30, 2017

U.S. GAAP net income

 

$

4,819

Tax lien adjustment, net of noncontrolling interest

 

 

(903)

RAP net income

 

$

3,916

 

 

 

 

 

 

 

 

 

 

At June 30, 2017

 

 

    

As reported

    

As adjusted

 

 

    

under U.S. GAAP

    

for RAP

    

Total capital (to risk-weighted assets)

 

14.267

%  

14.138

%  

Tier 1 capital (to risk-weighted assets)

 

12.030

%  

11.851

%  

Tier 1 capital (to average assets, leverage)

 

9.130

%  

8.991

%  

Common equity Tier 1 (to risk-weighted assets)

 

8.898

%  

8.766

%