Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2014

Regulatory Capital Requirements [Abstract]

Capital Requirements And Actual Capital Ratios

The tables below illustrate the capital requirements for the Company and the Bank and the actual capital ratios for each entity that exceed these requirements.  Management intends to maintain capital ratios for the Bank in 2015 in excess of the FDIC’s “well-capitalized” classification.  The dividends that the Bank pays to the Company are limited to the extent necessary for the Bank to meet the regulatory requirements of a “well-capitalized” bank.  The capital ratios for the Company exceed those for the Bank primarily because the $18 million trust preferred securities offerings that the Company completed in the second quarter of 2003 and in the fourth quarter of 2005 are included in the Company’s capital for regulatory purposes although they are accounted for as a liability in its financial statements.  The trust preferred securities are not accounted for on the Bank’s financial statements nor are they included in its capital.  As a result, the Company has $18 million more in regulatory capital than the Bank at December 31, 2014 and 2013, which explains most of the difference in the capital ratios for the two entities.

Northrim BanCorp, Inc.	Actual				Adequately-Capitalized				Well-Capitalized
(In Thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
As of December 31, 2014:
Total Capital (to risk-weighted assets)		$175,256	14.31	%		$97,977	≥ 8	%		$122,471	≥ 10	%
Tier I Capital (to risk-weighted assets)		$159,925	13.06	%		$48,982	≥ 4	%		$73,472	≥ 6	%
Tier I Capital (to average assets)		$159,925	11.21	%		$57,065	≥ 4	%		$71,331	≥ 5	%
As of December 31, 2013:
Total Capital (to risk-weighted assets)		$168,587	16.61	%		$81,198	≥ 8	%		$101,497	≥ 10	%
Tier I Capital (to risk-weighted assets)		$155,851	15.35	%		$40,613	≥ 4	%		$60,919	≥ 6	%
Tier I Capital (to average assets)		$155,851	13.06	%		$47,734	≥ 4	%		$59,667	≥ 5	%
Northrim Bank	Actual				Adequately-Capitalized				Well-Capitalized
(In Thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
As of December 31, 2014:
Total Capital (to risk-weighted assets)		$162,125	13.30	%		$97,519	≥ 8	%		$121,898	≥ 10	%
Tier I Capital (to risk-weighted assets)		$146,869	12.05	%		$48,753	≥ 4	%		$73,130	≥ 6	%
Tier I Capital (to average assets)		$146,869	10.35	%		$56,761	≥ 4	%		$70,951	≥ 5	%
As of December 31, 2013:
Total Capital (to risk-weighted assets)		$151,308	15.00	%		$80,698	≥ 8	%		$100,872	≥ 10	%
Tier I Capital (to risk-weighted assets)		$138,650	13.75	%		$40,335	≥ 4	%		$60,502	≥ 6	%
Tier I Capital (to average assets)		$138,650	11.68	%		$47,483	≥ 4	%		$59,354	≥ 5	%