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Regulatory Matters (Tables)
 9 Months Ended
Sep. 30, 2016
Regulatory Matters [Abstract]  
Actual capital amounts and ratios
Our actual capital amounts and ratios follow:

  
Actual
  
Minimum for
Adequately Capitalized
Institutions
  
Minimum for
Well-Capitalized
Institutions
 
  
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
  
(Dollars in thousands)
 
                   
September 30, 2016
                  
Total capital to risk-weighted assets
                  
Consolidated
 
$
281,310
   
16.05
%
 
$
140,243
   
8.00
%
 
NA
  
NA
 
Independent Bank
  
269,578
   
15.39
   
140,116
   
8.00
   
175,145
   
10.00
%
                         
Tier 1 capital to risk-weighted assets
                        
Consolidated
 
$
259,279
   
14.79
%
 
$
105,182
   
6.00
%
 
NA
  
NA
 
Independent Bank
  
247,615
   
14.14
   
105,087
   
6.00
   
140,116
   
8.00
%
                         
Common equity tier 1 capital to risk-weighted assets
                        
Consolidated
 
$
233,631
   
13.33
%
 
$
78,886
   
4.50
%
 
NA
  
NA
 
Independent Bank
  
247,615
   
14.14
   
78,815
   
4.50
   
113,844
   
6.50
%
                         
Tier 1 capital to average assets
                        
Consolidated
 
$
259,279
   
10.56
%
 
$
98,174
   
4.00
%
 
NA
  
NA
 
Independent Bank
  
247,615
   
10.09
   
98,116
   
4.00
   
122,645
   
5.00
%
                         
December 31, 2015
                        
Total capital to risk-weighted assets
                        
Consolidated
 
$
278,170
   
16.65
%
 
$
133,668
   
8.00
%
 
NA
  
NA
 
Independent Bank
  
261,894
   
15.69
   
133,514
   
8.00
  
$
166,893
   
10.00
%
                         
Tier 1 capital to risk-weighted assets
                        
Consolidated
 
$
257,050
   
15.38
%
 
$
100,251
   
6.00
%
 
NA
  
NA
 
Independent Bank
  
240,867
   
14.43
   
100,136
   
6.00
  
$
133,514
   
8.00
%
                         
Common equity tier 1 capital to risk-weighted assets
                        
Consolidated
 
$
239,271
   
14.32
%
 
$
75,188
   
4.50
%
 
NA
  
NA
 
Independent Bank
  
240,867
   
14.43
   
75,102
   
4.50
  
$
108,480
   
6.50
%
                         
Tier 1 capital to average assets
                        
Consolidated
 
$
257,050
   
10.91
%
 
$
94,217
   
4.00
%
 
NA
  
NA
 
Independent Bank
  
240,867
   
10.23
   
94,145
   
4.00
  
$
117,682
   
5.00
%
 
NA - Not applicable
Components of regulatory capital
The components of our regulatory capital are as follows:

  
Consolidated
  
Independent Bank
 
  
September 30,
2016
  
December 31,
2015
  
September 30,
2016
  
December 31,
2015
 
  
(In thousands)
 
Total shareholders' equity
 
$
250,902
  
$
251,092
  
$
263,762
  
$
259,947
 
Add (deduct)
                
Accumulated other comprehensive (income) loss for regulatory purposes
  
(2,783
)
  
238
   
(2,782
)
  
238
 
Intangible assets
  
(1,211
)
  
(912
)
  
(1,211
)
  
(912
)
Disallowed deferred tax assets
  
(13,277
)
  
(11,147
)
  
(12,154
)
  
(18,406
)
Common equity tier 1 capital
  
233,631
   
239,271
   
247,615
   
240,867
 
Qualifying trust preferred securities
  
34,500
   
34,500
   
-
   
-
 
Disallowed deferred tax assets
  
(8,852
)
  
(16,721
)
  
-
   
-
 
Tier 1 capital
  
259,279
   
257,050
   
247,615
   
240,867
 
Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets
  
22,031
   
21,120
   
21,963
   
21,027
 
Total risk-based capital
 
$
281,310
  
$
278,170
  
$
269,578
  
$
261,894