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Regulatory Matters (Tables)
 3 Months Ended
Mar. 31, 2018
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)
 
March 31, 2018
                  
Total capital to risk-weighted assets
                  
Consolidated
 
$
318,837
   
15.24
%
 
$
167,402
   
8.00
%
 
NA
  
NA
 
Independent Bank
  
301,081
   
14.40
   
167,291
   
8.00
  
$
209,114
   
10.00
%
                         
Tier 1 capital to risk-weighted assets
                        
Consolidated
 
$
294,755
   
14.09
%
 
$
125,551
   
6.00
%
 
NA
  
NA
 
Independent Bank
  
276,999
   
13.25
   
125,468
   
6.00
  
$
167,291
   
8.00
%
                         
Common equity tier 1 capital to risk-weighted assets
                        
Consolidated
 
$
260,255
   
12.44
%
 
$
94,164
   
4.50
%
 
NA
  
NA
 
Independent Bank
  
276,999
   
13.25
   
94,101
   
4.50
  
$
135,924
   
6.50
%
                         
Tier 1 capital to average assets
                        
Consolidated
 
$
294,755
   
10.64
%
 
$
110,783
   
4.00
%
 
NA
  
NA
 
Independent Bank
  
276,999
   
10.01
   
110,726
   
4.00
  
$
138,408
   
5.00
%
 
                        
December 31, 2017
                        
Total capital to risk-weighted assets
                        
Consolidated
 
$
312,163
   
15.16
%
 
$
164,782
   
8.00
%
 
NA
  
NA
 
Independent Bank
  
290,188
   
14.10
   
164,675
   
8.00
  
$
205,843
   
10.00
%
                         
Tier 1 capital to risk-weighted assets
                        
Consolidated
 
$
288,451
   
14.00
%
 
$
123,586
   
6.00
%
 
NA
  
NA
 
Independent Bank
  
266,476
   
12.95
   
123,506
   
6.00
  
$
164,675
   
8.00
%
                         
Common equity tier 1 capital to risk-weighted assets
                        
Consolidated
 
$
255,934
   
12.43
%
 
$
92,690
   
4.50
%
 
NA
  
NA
 
Independent Bank
  
266,476
   
12.95
   
92,630
   
4.50
  
$
133,798
   
6.50
%
 
                        
Tier 1 capital to average assets
                        
Consolidated
 
$
288,451
   
10.57
%
 
$
109,209
   
4.00
%
 
NA
  
NA
 
Independent Bank
  
266,476
   
9.78
   
109,041
   
4.00
  
$
136,301
   
5.00
%
 
NA - Not applicable
Components of regulatory capital
The components of our regulatory capital are as follows:

  
Consolidated
  
Independent Bank
 
  
March 31,
2018
  
December 31,
2017
  
March 31,
2018
  
December 31,
2017
 
  
(In thousands)
 
Total shareholders' equity
 
$
267,917
  
$
264,933
  
$
276,646
  
$
269,481
 
Add (deduct)
                
Accumulated other comprehensive (gain) loss for regulatory purposes
  
2,705
   
201
   
2,705
   
201
 
Intangible assets
  
(1,500
)
  
(1,269
)
  
(1,500
)
  
(1,269
)
Disallowed deferred tax assets
  
(8,867
)
  
(7,931
)
  
(852
)
  
(1,937
)
Common equity tier 1 capital
  
260,255
   
255,934
   
276,999
   
266,476
 
Qualifying trust preferred securities
  
34,500
   
34,500
   
-
   
-
 
Disallowed deferred tax assets
  
-
   
(1,983
)
  
-
   
-
 
Tier 1 capital
  
294,755
   
288,451
   
276,999
   
266,476
 
Allowance for loan losses and allowance for unfunded lending  commitments limited to 1.25% of  total risk-weighted assets
  
24,082
   
23,712
   
24,082
   
23,712
 
Total risk-based capital
 
$
318,837
  
$
312,163
  
$
301,081
  
$
290,188