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Regulatory Capital Requirements (Tables)
3 Months Ended
Mar. 31, 2017
Banking And Thrift [Abstract]  
Schedule of Capital Amounts and Ratios

The Company’s and the Bank’s capital amounts and ratios as of March 31, 2017 and December 31, 2016 are presented in the following table (dollars in thousands).  

 

 

 

Actual

 

 

Minimum capital

requirement (1)

 

 

Minimum to be

well-capitalized (2)

 

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

At March 31, 2017:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

$

152,445

 

 

 

12.1

%

 

$

100,502

 

 

 

8.0

%

 

N/A

 

 

N/A

 

CapStar Bank

 

 

129,571

 

 

 

10.3

 

 

 

100,483

 

 

 

8.0

 

 

$

125,604

 

 

 

10.0

 

Tier I capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

138,375

 

 

 

11.0

 

 

 

75,377

 

 

 

6.0

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

115,501

 

 

 

9.2

 

 

 

75,362

 

 

 

6.0

 

 

 

100,483

 

 

 

8.0

 

Common equity Tier 1 capital to risk weighted

   assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

129,685

 

 

 

10.3

 

 

 

56,533

 

 

 

4.5

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

99,311

 

 

 

7.9

 

 

 

56,522

 

 

 

4.5

 

 

 

81,643

 

 

 

6.5

 

Tier I capital to average assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

138,375

 

 

 

10.4

 

 

 

53,396

 

 

 

4.0

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

115,501

 

 

 

8.7

 

 

 

53,394

 

 

 

4.0

 

 

 

66,742

 

 

 

5.0

 

At December 31, 2016:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

$

149,616

 

 

 

12.6

%

 

$

95,028

 

 

 

8.0

%

 

N/A

 

 

N/A

 

CapStar Bank

 

 

126,718

 

 

 

10.7

 

 

 

95,028

 

 

 

8.0

 

 

$

118,785

 

 

 

10.0

 

Tier I capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

137,909

 

 

 

11.6

 

 

 

71,271

 

 

 

6.0

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

115,011

 

 

 

9.7

 

 

 

71,271

 

 

 

6.0

 

 

 

95,028

 

 

 

8.0

 

Common equity Tier 1 capital to risk weighted

   assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

129,528

 

 

 

10.9

 

 

 

53,453

 

 

 

4.5

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

99,130

 

 

 

8.3

 

 

 

53,453

 

 

 

4.5

 

 

 

77,210

 

 

 

6.5

 

Tier I capital to average assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

137,909

 

 

 

10.5

 

 

 

52,727

 

 

 

4.0

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

115,011

 

 

 

8.7

 

 

 

52,727

 

 

 

4.0

 

 

 

65,909

 

 

 

5.0

 

 

(1)

For the calendar year 2017, the Company must maintain a capital conservation buffer of Tier 1 common equity capital in excess of minimum risk-based capital ratios by at least 1.25% to avoid limits on capital distributions and certain discretionary bonus payments to executive officers and similar employees.

(2)

For the Company to be well-capitalized, the Bank must be well-capitalized and the Company must not be subject to any written agreement, order, capital directive, or prompt corrective action directive issued by the Federal Reserve to meet and maintain a specific capital level for any capital measure.