XML 46 R35.htm IDEA: XBRL DOCUMENT v3.19.1
REGULATORY MATTERS (Tables)
3 Months Ended
Mar. 31, 2019
Banking And Thrift [Abstract]  
Comparison of the Company's and Bank's Actual Capital Amounts and Ratios to Required Capital Amounts and Ratios

A comparison of the Company’s and Bank’s actual capital amounts and ratios to required capital amounts and ratios are presented in the following tables as of:

 

 

 

Actual

 

 

Minimum Required

For Capital

Adequacy Purposes

 

 

Minimum Required

Under Basel III

Fully Phased-In

 

 

To Be Well

Capitalized Under

Prompt Corrective

Action Provisions

 

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

March 31, 2019

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

244,274

 

 

 

13.26

%

 

$

147,383

 

 

 

8.00

%

 

$

193,441

 

 

 

10.50

%

 

 

 

 

 

n/a

 

Bank

 

 

242,668

 

 

 

13.17

%

 

 

147,383

 

 

 

8.00

%

 

 

193,441

 

 

 

10.50

%

 

$

184,229

 

 

 

10.00

%

Tier 1 capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

229,084

 

 

 

12.43

%

 

 

110,537

 

 

 

6.00

%

 

 

156,595

 

 

 

8.50

%

 

 

 

 

 

n/a

 

Bank

 

 

227,478

 

 

 

12.35

%

 

 

110,537

 

 

 

6.00

%

 

 

156,595

 

 

 

8.50

%

 

 

147,383

 

 

 

8.00

%

Tier 1 capital to average assets:(1)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

229,084

 

 

 

10.14

%

 

 

90,386

 

 

 

4.00

%

 

 

90,386

 

 

 

4.00

%

 

 

 

 

 

n/a

 

Bank

 

 

227,478

 

 

 

10.07

%

 

 

90,387

 

 

 

4.00

%

 

 

90,387

 

 

 

4.00

%

 

 

112,984

 

 

 

5.00

%

Common equity tier 1 capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

218,774

 

 

 

11.88

%

 

 

82,903

 

 

 

4.50

%

 

 

128,960

 

 

 

7.00

%

 

 

 

 

 

n/a

 

Bank

 

 

227,478

 

 

 

12.35

%

 

 

82,903

 

 

 

4.50

%

 

 

128,960

 

 

 

7.00

%

 

 

119,749

 

 

 

6.50

%

(1) The Tier 1 capital ratio (to average assets) is not impacted by the Basel III Capital Rules; however, the Federal Reserve Board and the FDIC may require the Consolidated Company and the Bank, respectively, to maintain a Tier 1 capital ratio (to average assets) above the required minimum.

 

 

 

 

Actual

 

 

Minimum Required

For Capital

Adequacy Purposes

 

 

Minimum Required

Under Basel III

Fully Phased-In

 

 

To Be Well

Capitalized Under

Prompt Corrective

Action Provisions

 

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

December 31, 2018

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

241,791

 

 

 

13.25

%

 

$

146,020

 

 

 

8.00

%

 

$

191,651

 

 

 

10.50

%

 

 

 

 

 

n/a

 

Bank

 

 

242,142

 

 

 

13.27

%

 

 

146,015

 

 

 

8.00

%

 

 

191,645

 

 

 

10.50

%

 

$

182,519

 

 

 

10.00

%

Tier 1 capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

227,140

 

 

 

12.44

%

 

 

109,515

 

 

 

6.00

%

 

 

155,146

 

 

 

8.50

%

 

 

 

 

 

n/a

 

Bank

 

 

227,491

 

 

 

12.46

%

 

 

109,511

 

 

 

6.00

%

 

 

155,141

 

 

 

8.50

%

 

 

146,015

 

 

 

8.00

%

Tier 1 capital to average assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

227,140

 

 

 

10.16

%

 

 

89,422

 

 

 

4.00

%

 

 

89,422

 

 

 

4.00

%

 

 

 

 

 

n/a

 

Bank

 

 

227,491

 

 

 

10.18

%

 

 

89,414

 

 

 

4.00

%

 

 

89,414

 

 

 

4.00

%

 

 

111,768

 

 

 

5.00

%

Common equity tier 1 capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

216,830

 

 

 

11.88

%

 

 

82,136

 

 

 

4.50

%

 

 

127,768

 

 

 

7.00

%

 

 

 

 

 

n/a

 

Bank

 

 

227,491

 

 

 

12.46

%

 

 

82,134

 

 

 

4.50

%

 

 

127,763

 

 

 

7.00

%

 

 

118,637

 

 

 

6.50

%