Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2018

Regulatory Matters

Summary of bank's actual capital amounts and ratios

The Company, the Bank, and Joy State and Bank’s actual capital amounts and ratios are also presented in the following tables.

					Minimum Amount
					Required for				Minimum Amount
					Adequately				To Be Well
	Actual				Capitalized(1)				Capitalized(1)
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(Dollars in thousands)
September 30, 2018
Total capital(1) (to risk-weighted assets)
Company	$	396,736	12.6	%	$	251,761	8.0	%	$	—	N/A
Bank		461,120	14.8	%		248,823	8.0	%		311,029	10.0	%
Joy State Bank		4,474	12.4	%		2,876	8.0	%		3,595	10.0	%
Tier 1 capital(1) (to risk-weighted assets)
Company		385,492	12.2	%		188,821	6.0	%		—	N/A
Bank		449,982	14.5	%		186,617	6.0	%		248,823	8.0	%
Joy State Bank		4,368	12.2	%		2,157	6.0	%		2,876	8.0	%
Common Equity Tier 1 capital(1) (to risk-weighted assets)
Company		343,911	10.9	%		141,616	4.5	%		—	N/A
Bank		449,982	14.5	%		139,963	4.5	%		202,169	6.5	%
Joy State Bank		4,368	12.2	%		1,618	4.5	%		2,336	6.5	%
Tier 1 capital(1) (to average assets)
Company		385,492	10.1	%		152,110	4.0	%		—	N/A
Bank		449,982	12.0	%		150,515	4.0	%		188,144	5.0	%
Joy State Bank		4,368	9.3	%		1,878	4.0	%		2,348	5.0	%

					Minimum				Minimum
					Amount Required				Amount To Be
					for Adequately				Well
	Actual				Capitalized(1)				Capitalized(1)
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(Dollars in thousands)
December 31, 2017
Total capital(1) (to risk-weighted assets)
Company	$	355,722	13.7	%	$	207,657	8.0	%	$	—	N/A
Bank		406,638	15.7	%		207,567	8.0	%		259,459	10.0	%
Tier I capital(1) (to risk-weighted assets)
Company		347,411	13.4	%		155,743	6.0	%		—	N/A
Bank		398,327	15.4	%		155,675	6.0	%		207,567	8.0	%
Common Equity Tier I capital(1) (to risk-weighted assets)
Company		305,830	11.8	%		116,807	4.5	%		—	N/A
Bank		398,327	15.4	%		116,756	4.5	%		168,648	6.5	%
Tier I capital(1) (to average assets)
Company		347,411	10.9	%		127,318	4.0	%		—	N/A
Bank		398,327	12.5	%		127,593	4.0	%		159,491	5.0	%

1 As defined by regulatory agencies.

Beginning January 1, 2015, a new Basel III Capital Rule applied to the Bank. The following table lists the capital categories and ratios determined by the Board of Governors of the Federal Reserve System and the Federal Deposit Insurance Corporation.

					Common Equity
	Total Risk-based		Tier 1 Risk-based		Tier 1 Risk-based		Tier 1
Capital Category	Capital ratio		Capital ratio		Capital ratio		Leverage ratio
Well capitalized	10	%	8	%	6.5	%	5	%
Adequately capitalized	8		6		4.5		4
Undercapitalized	<8		<6		<4.5		<4
Significantly undercapitalized	<6		<4		<3		<3
Critically undercapitalized	Tangible Equity/Total Assets </= 2%