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Regulatory Matters (Tables)
 12 Months Ended
Dec. 31, 2018
Banking and Thrift [Abstract]  
Minimum Total Risk-Based, Tier I Risk-Based, and Tier I Leverage Ratios
To continue to be categorized as well capitalized under the regulatory framework for prompt corrective action, the Company would have to maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as disclosed below, in comparison with actual capital amounts and ratios (amounts in thousands):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Minimum Capital
 
 
 
 
 
 
 
 
 
Minimum Capital
 
 
Requirement to be
 
 
 
 
 
 
 
 
 
Requirement to be
 
 
Adequately
 
 
 
Actual
 
 
Well Capitalized
 
 
Capitalized
 
 
 
Amount
 
 
Ratio
 
 
Amount
 
 
Ratio
 
 
Amount
 
 
Ratio
 
December 31, 2018
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Citizens Holding Company
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier 1 leverage ratio
 
$
95,691
 
 
9.93
%
 
$
48,191
 
 
5.00
%
 
$
38,553
 
 
4.00
%
Common Equity tier 1 capital ratio
 
 
95,691
 
 
9.93
%
 
 
62,648
 
 
6.50
%
 
 
43,372
 
 
4.50
%
Tier 1 risk-based capital ratio
 
 
95,691
 
 
17.41
%
 
 
43,966
 
 
8.00
%
 
 
32,974
 
 
6.00
%
Total risk-based capital ratio
 
 
99,063
 
 
18.03
%
 
 
54,957
 
 
10.00
%
 
 
43,966
 
 
8.00
%
The Citizens Bank of Philadelphia
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier 1 leverage ratio
 
$
93,827
 
 
9.74
%
 
$
48,178
 
 
5.00
%
 
$
38,542
 
 
4.00
%
Common Equity tier 1 capital ratio
 
 
93,827
 
 
9.74
%
 
 
62,631
 
 
6.50
%
 
 
43,360
 
 
4.50
%
Tier 1 risk-based capital ratio
 
 
93,827
 
 
17.08
%
 
 
43,944
 
 
8.00
%
 
 
32,958
 
 
6.00
%
Total risk-based capital ratio
 
 
97,199
 
 
17.69
%
 
 
54,930
 
 
10.00
%
 
 
43,944
 
 
8.00
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2017
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Citizens Holding Company
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier 1 leverage ratio
 
$
93,527
 
 
9.17
%
 
$
51,005
 
 
5.00
%
 
$
40,804
 
 
4.00
%
Common Equity tier 1 capital ratio
 
 
93,527
 
 
9.17
%
 
 
66,307
 
 
6.50
%
 
 
45,905
 
 
4.50
%
Tier 1 risk-based capital ratio
 
 
93,527
 
 
17.93
%
 
 
41,737
 
 
8.00
%
 
 
31,303
 
 
6.00
%
Total risk-based capital ratio
 
 
96,546
 
 
18.51
%
 
 
52,171
 
 
10.00
%
 
 
41,737
 
 
8.00
%
The Citizens Bank of Philadelphia
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier 1 leverage ratio
 
$
89,243
 
 
8.75
%
 
$
50,978
 
 
5.00
%
 
$
40,782
 
 
4.00
%
Common Equity tier 1 capital ratio
 
 
89,243
 
 
8.75
%
 
 
66,271
 
 
6.50
%
 
 
45,880
 
 
4.50
%
Tier 1 risk-based capital ratio
 
 
89,243
 
 
17.12
%
 
 
41,708
 
 
8.00
%
 
 
31,281
 
 
6.00
%
Total risk-based capital ratio
 
 
92,262
 
 
17.70
%
 
 
52,136
 
 
10.00
%
 
 
41,708
 
 
8.00
%