XML 68 R45.htm IDEA: XBRL DOCUMENT v3.6.0.2
Regulatory Matters (Tables)
12 Months Ended
Dec. 31, 2016
Regulatory Capital Requirements [Abstract]  
Schedule of Regulatory Standards for Well Capitalized Institutions and Capital Ratios

The following table presents the regulatory standards for well-capitalized institutions and the capital ratios for FFI and the Bank as of:

 

 

  

Actual

 

 

For Capital
Adequacy Purposes

 

 

To Be Well-Capitalized
Under Prompt Corrective
Action Provisions

 

(dollars in thousands)

  

Amount

 

  

Ratio

 

 

Amount

 

  

Ratio

 

 

Amount

 

  

Ratio

 

FFI

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2016

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CET1 capital ratio

 

$

285,754

 

 

 

12.80

%

 

$

100,432

 

 

 

4.50

%

 

 

 

 

 

 

 

 

Tier 1 leverage ratio

 

 

285,754

 

 

 

8.76

%

 

 

130,525

 

 

 

4.00

%

 

 

 

 

 

 

 

 

Tier 1 risk-based capital ratio

 

 

285,754

 

 

 

12.80

%

 

 

133,910

 

 

 

6.00

%

 

 

 

 

 

 

 

 

Total risk-based capital ratio

 

 

301,664

 

 

 

13.52

%

 

 

178,547

 

 

 

8.00

%

 

 

 

 

 

 

 

 

December 31, 2015

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CET1 capital ratio

 

$

256,007

 

 

 

17.44

%

 

$

66,072

 

 

 

4.50

%

 

 

 

 

 

 

 

 

Tier 1 leverage ratio

 

 

256,007

 

 

 

11.81

%

 

 

86,736

 

 

 

4.00

%

 

 

 

 

 

 

 

 

Tier 1 risk-based capital ratio

 

 

256,007

 

 

 

17.44

%

 

 

88,096

 

 

 

6.00

%

 

 

 

 

 

 

 

 

Total risk-based capital ratio

 

 

267,027

 

 

 

18.19

%

 

 

117,461

 

 

 

8.00

%

 

 

 

 

 

 

 

 

BANK

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2016

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CET1 capital ratio

 

$

272,221

 

 

 

12.23

%

 

$

100,166

 

 

 

4.50

%

 

$

144,685

 

 

 

6.50

%

Tier 1 leverage ratio

 

 

272,221

 

 

 

8.36

%

 

 

130,305

 

 

 

4.00

%

 

 

162,881

 

 

 

5.00

%

Tier 1 risk-based capital ratio

 

 

272,221

 

 

 

12.23

%

 

 

133,555

 

 

 

6.00

%

 

 

178,074

 

 

 

8.00

%

Total risk-based capital ratio

 

 

288,131

 

 

 

12.94

%

 

 

178,074

 

 

 

8.00

%

 

 

222,592

 

 

 

10.00

%

December 31, 2015

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CET1 capital ratio

 

$

206,341

 

 

 

14.10

%

 

$

65,872

 

 

 

4.50

%

 

$

95,148

 

 

 

6.50

%

Tier 1 leverage ratio

 

 

206,341

 

 

 

9.54

%

 

 

86,543

 

 

 

4.00

%

 

 

108,179

 

 

 

5.00

%

Tier 1 risk-based capital ratio

 

 

206,341

 

 

 

14.10

%

 

 

87,829

 

 

 

6.00

%

 

 

117,106

 

 

 

8.00

%

Total risk-based capital ratio

 

 

217,361

 

 

 

14.85

%

 

 

117,106

 

 

 

8.00

%

 

 

146,382

 

 

 

10.00

%

 

Schedule of Minimum Capital Ratios Plus the Applicable Increment of the Capital Conservation

The following table sets forth the minimum capital ratios plus the applicable increment of the capital conservation buffer as of the current year and when it is fully implemented in 2019:

 

 

2016

 

2019

CET-1 to risk-weighted assets

 

5.125

%

 

7.000

%

Tier 1 capital (i.e., CET-1 plus Additional Tier 1) to risk-weighted assets

 

6.625

%

 

8.500

%

Total capital (i.e., Tier 1 plus Tier 2) to risk-weighted assets

 

8.625

%

 

10.500

%