XML 174 R50.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Regulatory Capital Requirements (Tables)
12 Months Ended
Dec. 31, 2019
Banking and Thrift [Abstract]  
Schedule of the Company's and the bank's actual and required capital amounts and ratios
 
Actual
 
Minimum Required for Capital Adequacy
Purposes
 
Minimum Required for Fully Phased in Capital Adequacy Purposes plus Capital Conservation Buffer
 
Minimum Required to be Considered
 “Well-Capitalized” Under Prompt Corrective Action Provisions
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
 
(Dollars in Thousands)
At December 31, 2019:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Brookline Bancorp, Inc.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Common equity Tier 1 capital ratio (1)
$
780,962

 
11.44
%
 
$
307,197

 
4.50
%
 
$
477,861


7.00
%
 
N/A

 
N/A

Tier 1 leverage capital ratio (2)
790,527

 
10.28
%
 
307,598

 
4.00
%
 
307,598


4.00
%
 
N/A

 
N/A

Tier 1 risk-based capital ratio (3)
790,527

 
11.58
%
 
409,599

 
6.00
%
 
580,266


8.50
%
 
N/A

 
N/A

Total risk-based capital ratio (4)
927,515

 
13.59
%
 
545,999

 
8.00
%
 
716,623


10.50
%
 
N/A

 
N/A

Brookline Bank
 
 
 
 
 
 
 
 



 
 
 
 
Common equity Tier 1 capital ratio (1)
$
513,311

 
11.44
%
 
$
201,914

 
4.50
%
 
$
314,089


7.00
%
 
$
291,654

 
6.50
%
Tier 1 leverage capital ratio (2)
513,311

 
10.42
%
 
197,048

 
4.00
%
 
197,048


4.00
%
 
246,310

 
5.00
%
Tier 1 risk-based capital ratio (3)
513,311

 
11.44
%
 
269,219

 
6.00
%
 
381,394


8.50
%
 
358,959

 
8.00
%
Total risk-based capital ratio (4)
555,474

 
12.38
%
 
358,949

 
8.00
%
 
471,121


10.50
%
 
448,687

 
10.00
%
BankRI
 
 
 
 
 
 
 
 



 
 
 
 
Common equity Tier 1 capital ratio (1)
$
240,362

 
11.75
%
 
$
92,054

 
4.50
%
 
$
143,194


7.00
%
 
$
132,966

 
6.50
%
Tier 1 leverage capital ratio (2)
240,362

 
9.97
%
 
96,434

 
4.00
%
 
96,434


4.00
%
 
120,543

 
5.00
%
Tier 1 risk-based capital ratio (3)
240,362

 
11.75
%
 
122,738

 
6.00
%
 
173,879


8.50
%
 
163,651

 
8.00
%
Total risk-based capital ratio (4)
258,719

 
12.65
%
 
163,617

 
8.00
%
 
214,747


10.50
%
 
204,521

 
10.00
%
First Ipswich
 
 
 
 
 
 
 
 



 
 
 
 
Common equity Tier 1 capital ratio (1)
$
41,320

 
13.45
%
 
$
13,825

 
4.50
%
 
$
21,505


7.00
%
 
$
19,969

 
6.50
%
Tier 1 leverage capital ratio (2)
41,320

 
8.80
%
 
18,782

 
4.00
%
 
18,782


4.00
%
 
23,477

 
5.00
%
Tier 1 risk-based capital ratio (3)
41,320

 
13.45
%
 
18,433

 
6.00
%
 
26,113


8.50
%
 
24,577

 
8.00
%
Total risk-based capital ratio (4)
43,762

 
14.24
%
 
24,585

 
8.00
%
 
32,268


10.50
%
 
30,732

 
10.00
%
_______________________________________________________________________________
(1) Common equity Tier 1 capital ratio is calculated by dividing common equity Tier 1 capital by risk-weighted assets. The ratio was established as part of the implementation of Basel III, effective January 1, 2015.

(2) Tier 1 leverage capital ratio is calculated by dividing Tier 1 capital by average assets.

(3) Tier 1 risk-based capital ratio is calculated by dividing Tier 1 capital by risk-weighted assets.

(4) Total risk-based capital ratio is calculated by dividing total capital by risk-weighted assets.

The following table presents actual and required capital ratios as of December 31, 2018 for the Company and the Banks under the regulatory capital rules then in effect.
 
Actual
 
Minimum Required for Capital Adequacy
Purposes
 
Minimum Required for Fully Phased in Capital Adequacy Purposes plus Capital Conservation Buffer
 
Minimum Required to be Considered
 “Well-Capitalized” Under Prompt Corrective Action Provisions
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
 
(Dollars in Thousands)
At December 31, 2018:
 

 
 

 
 

 
 

 
 
 
 
 
 

 
 

Brookline Bancorp, Inc.
 

 
 

 
 

 
 

 
 
 
 
 
 

 
 

Common equity Tier 1 capital ratio (1)
$
745,103

 
11.94
%
 
$
280,818

 
4.50
%
 
$
436,828

 
7.00
%
 
N/A

 
N/A

Tier 1 leverage capital ratio (2)
765,089

 
10.58
%
 
289,259

 
4.00
%
 
289,259

 
4.00
%
 
N/A

 
N/A

Tier 1 risk-based capital ratio (3)
765,089

 
12.26
%
 
374,432

 
6.00
%
 
530,445

 
8.50
%
 
N/A

 
N/A

Total risk-based capital ratio (4)
899,563

 
14.42
%
 
499,064

 
8.00
%
 
655,022

 
10.50
%
 
N/A

 
N/A

Brookline Bank
 

 
 

 
 

 
 

 
 
 
 
 
 

 
 

Common equity Tier 1 capital ratio (1)
$
495,798

 
12.06
%
 
$
184,999

 
4.50
%
 
$
287,777

 
7.00
%
 
$
267,221

 
6.50
%
Tier 1 leverage capital ratio (2)
506,277

 
11.02
%
 
183,767

 
4.00
%
 
183,767

 
4.00
%
 
229,708

 
5.00
%
Tier 1 risk-based capital ratio (3)
506,277

 
12.32
%
 
246,563

 
6.00
%
 
349,298

 
8.50
%
 
328,751

 
8.00
%
Total risk-based capital ratio (4)
545,533

 
13.27
%
 
328,882

 
8.00
%
 
431,658

 
10.50
%
 
411,102

 
10.00
%
BankRI
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Common equity Tier 1 capital ratio (1)
$
209,670

 
11.37
%
 
$
82,983

 
4.50
%
 
$
129,084

 
7.00
%
 
$
119,864

 
6.50
%
Tier 1 leverage capital ratio (2)
209,670

 
9.35
%
 
89,698

 
4.00
%
 
89,698

 
4.00
%
 
112,123

 
5.00
%
Tier 1 risk-based capital ratio (3)
209,670

 
11.37
%
 
110,644

 
6.00
%
 
156,745

 
8.50
%
 
147,525

 
8.00
%
Total risk-based capital ratio (4)
227,674

 
12.35
%
 
147,481

 
8.00
%
 
193,569

 
10.50
%
 
184,351

 
10.00
%
First Ipswich
 

 
 

 
 

 
 

 
 
 
 
 
 

 
 

Common equity Tier 1 capital ratio (1)
$
39,655

 
13.91
%
 
$
12,829

 
4.50
%
 
$
19,956

 
7.00
%
 
$
18,530

 
6.50
%
Tier 1 leverage capital ratio (2)
39,655

 
9.59
%
 
16,540

 
4.00
%
 
16,540

 
4.00
%
 
20,675

 
5.00
%
Tier 1 risk-based capital ratio (3)
39,655

 
13.91
%
 
17,105

 
6.00
%
 
24,232

 
8.50
%
 
22,807

 
8.00
%
Total risk-based capital ratio (4)
42,944

 
15.06
%
 
22,812

 
8.00
%
 
29,941

 
10.50
%
 
28,515

 
10.00
%
_______________________________________________________________________________
(1) Common equity Tier 1 capital ratio is calculated by dividing common equity Tier 1 capital by risk-weighted assets. The ratio was established as part of the implementation of Basel III, effective January 1, 2015.

(2) Tier 1 leverage capital ratio is calculated by dividing Tier 1 capital by average assets.

(3) Tier 1 risk-based capital ratio is calculated by dividing Tier 1 capital by risk-weighted assets.

(4) Total risk-based capital ratio is calculated by dividing total capital by risk-weighted assets.