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Regulatory Capital Matters (Tables)
 6 Months Ended
Jun. 30, 2017
Regulatory Capital Matters  
Schedule of the Company's and the Bank's actual capital amounts and ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(Dollars in Thousands)

 

 

 

 

 

 

 

 

 

 

 

 

To Be Well Capitalized 

 

 

 

 

 

 

 

 

For Capital Adequacy

 

Under Prompt Corrective

 

 

 

Actual

 

Purposes (1)

 

Action Provisions

 

June 30, 2017

    

Amount

    

Ratio

    

Amount

    

Ratio

    

Amount

    

Ratio

 

Total Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

50,225

 

12.68

%  

$

31,711

 

8.00

%  

 

N/A

 

N/A

 

Citizens First Bank, Inc.

 

 

49,973

 

12.62

%  

 

31,688

 

8.00

%  

$

39,610

 

10.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier I Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

45,327

 

11.44

%  

 

23,783

 

6.00

%  

 

N/A

 

N/A

 

Citizens First Bank, Inc.

 

 

45,075

 

11.38

%  

 

23,766

 

6.00

%  

 

31,688

 

8.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Common Equity Tier I Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

40,327

 

10.18

%  

 

17,835

 

4.50

%  

 

N/A

 

N/A

 

Citizens First Bank, Inc.

 

 

45,075

 

11.38

%  

 

17,825

 

4.50

%  

 

25,747

 

6.50

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier I Leverage Capital to average assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

45,327

 

10.06

%  

 

18,015

 

4.00

%  

 

N/A

 

N/A

 

Citizens First Bank, Inc.

 

 

45,075

 

9.94

%  

 

18,133

 

4.00

%  

 

22,666

 

5.0

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(Dollars in Thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

To Be Well Capitalized 

 

 

 

 

 

 

 

 

For Capital Adequacy

 

Under Prompt Corrective

 

 

 

Actual

 

Purposes (1)

 

Action Provisions

 

December 31, 2016

    

Amount

    

Ratio

    

Amount

    

Ratio

    

Amount

    

Ratio

 

Total Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

48,671

 

12.62

%  

$

30,848

 

8.00

%  

 

N/A

 

N/A

 

Citizens First Bank, Inc.

 

 

48,316

 

12.53

%  

 

30,843

 

8.00

%  

$

38,554

 

10.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier I Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

43,852

 

11.37

%  

 

23,136

 

6.00

%  

 

N/A

 

N/A

 

Citizens First Bank, Inc.

 

 

43,497

 

11.28

%  

 

23,132

 

6.00

%  

 

30,843

 

8.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Common Equity Tier I Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

31,585

 

8.19

%  

 

17,352

 

4.50

%  

 

N/A

 

N/A

 

Citizens First Bank, Inc.

 

 

43,497

 

11.28

%  

 

17,349

 

4.50

%  

 

25,060

 

6.50

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier I Leverage Capital to average assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

43,852

 

9.97

%  

 

17,600

 

4.00

%  

 

N/A

 

N/A

 

Citizens First Bank, Inc.

 

 

43,497

 

9.89

%  

 

17,600

 

4.00

%  

 

22,000

 
5.0

%

(1)

When fully phased-in on January 1, 2019, Basel III Capital Rules will require banking organizations to maintain: a minimum ratio of common equity Tier 1 to risk-weighted assets of at least 4.5%, plus a 2.5% “capital conservation buffer”; a minimum ratio of Tier 1 capital to risk-weighted assets of at least 6.0%, plus the 2.5% capital conservation buffer; a minimum ratio of total capital to risk-weighted assets of at least 8.0%, plus the 2.5% capital conservation buffer; and a minimum ratio of Tier 1 capital to adjusted average consolidated assets of at least 4.0%.