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Regulatory Capital Requirements (Tables)
9 Months Ended
Sep. 30, 2018
Banking And Thrift [Abstract]  
Schedule of Capital Amounts and Ratios

The Company’s and the Bank’s capital amounts and ratios as of September 30, 2018 and December 31, 2017 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 September 30, 2018:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

$

171,866

 

 

 

12.62

%

 

$

108,958

 

 

 

8.00

%

 

N/A

 

 

N/A

 

CapStar Bank

 

 

154,906

 

 

 

11.38

 

 

 

108,897

 

 

 

8.00

 

 

$

136,122

 

 

 

10.00

 

Tier I capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

156,469

 

 

 

11.49

 

 

 

81,718

 

 

 

6.00

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

139,509

 

 

 

10.25

 

 

 

81,673

 

 

 

6.00

 

 

 

108,897

 

 

 

8.00

 

Common equity Tier 1 capital to risk weighted

   assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

147,469

 

 

 

10.83

 

 

 

61,289

 

 

 

4.50

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

123,009

 

 

 

9.04

 

 

 

61,255

 

 

 

4.50

 

 

 

88,479

 

 

 

6.50

 

Tier I capital to average assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

156,469

 

 

 

11.02

 

 

 

56,770

 

 

 

4.00

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

139,509

 

 

 

9.83

 

 

 

56,760

 

 

 

4.00

 

 

 

70,950

 

 

 

5.00

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At December 31, 2017:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

$

156,434

 

 

 

12.52

%

 

$

99,932

 

 

 

8.00

%

 

N/A

 

 

N/A

 

CapStar Bank

 

 

142,396

 

 

 

11.40

 

 

 

99,928

 

 

 

8.00

 

 

$

124,909

 

 

 

10.00

 

Tier I capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

142,534

 

 

 

11.41

 

 

 

74,949

 

 

 

6.00

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

128,496

 

 

 

10.29

 

 

 

74,946

 

 

 

6.00

 

 

 

99,928

 

 

 

8.00

 

Common equity Tier 1 capital to risk weighted

   assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

133,703

 

 

 

10.70

 

 

 

56,212

 

 

 

4.50

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

112,165

 

 

 

8.98

 

 

 

56,209

 

 

 

4.50

 

 

 

81,191

 

 

 

6.50

 

Tier I capital to average assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

142,534

 

 

 

10.77

 

 

 

53,218

 

 

 

4.00

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

128,496

 

 

 

9.71

 

 

 

53,215

 

 

 

4.00

 

 

 

66,519

 

 

 

5.00

 

 

(1)

For the calendar year 2018, 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 1.875% 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.