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Shareholders' Equity (Tables)
6 Months Ended
Jun. 30, 2019
Equity [Abstract]  
Schedule of Minimum Capital Requirements Considered Well Capitalized by FRB and FDIC

As of June 30, 2019 and December 31, 2018, the Company and the Bank met all applicable minimum capital requirements and were considered “well-capitalized” by both the FRB and the FDIC.  

 

 

 

Actual

 

 

Minimum Capital

Required For

Capital Adequacy

 

 

Minimum Capital Required

For Capital

Adequacy Plus

Capital Conservation Buffer (1)

 

 

Minimum To Be

Well-Capitalized

Under

Prompt Corrective

Action Provisions

 

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

 

(dollars in thousands)

 

At June 30, 2019

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cambridge Bancorp:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk-weighted

   assets)

 

$

222,152

 

 

 

11.8

%

 

$

150,732

 

 

 

8.0

%

 

$

197,836

 

 

 

10.5

%

 

N/A

 

 

N/A

 

Tier I capital (to risk-weighted

  assets)

 

 

205,002

 

 

 

10.9

%

 

 

113,049

 

 

 

6.0

%

 

 

160,153

 

 

 

8.5

%

 

N/A

 

 

N/A

 

Common equity tier I capital

   (to risk-weighted assets)

 

 

205,002

 

 

 

10.9

%

 

 

84,787

 

 

 

4.5

%

 

 

131,891

 

 

 

7.0

%

 

N/A

 

 

N/A

 

Tier I capital (to average

   assets)

 

 

205,002

 

 

 

7.9

%

 

 

103,327

 

 

 

4.0

%

 

 

103,327

 

 

 

4.0

%

 

N/A

 

 

N/A

 

Cambridge Trust Company:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk-weighted

   assets)

 

$

218,012

 

 

 

11.6

%

 

$

150,732

 

 

 

8.0

%

 

$

197,836

 

 

 

10.5

%

 

$

188,415

 

 

 

10.0

%

Tier I capital (to risk-weighted

   assets)

 

 

200,862

 

 

 

10.7

%

 

 

113,049

 

 

 

6.0

%

 

 

160,153

 

 

 

8.5

%

 

 

150,732

 

 

 

8.0

%

Common equity tier I capital

   (to risk-weighted assets)

 

 

200,862

 

 

 

10.7

%

 

 

84,787

 

 

 

4.5

%

 

 

131,891

 

 

 

7.0

%

 

 

122,470

 

 

 

6.5

%

Tier I capital (to average

   assets)

 

 

200,862

 

 

 

7.8

%

 

 

103,327

 

 

 

4.0

%

 

 

103,327

 

 

 

4.0

%

 

 

129,158

 

 

 

5.0

%

 

(1)

The 2013 Capital Rules adopted by the Federal Reserve, Office of the Comptroller of the Currency, and the Federal Deposit Insurance Corporation implementing Basel III were fully phased-in effective January 1, 2019.

 

 

 

Actual

 

 

Minimum Capital

Required For

Capital Adequacy

 

 

Minimum Capital Required

For Capital

Adequacy Plus

Capital Conservation Buffer

Basel III Phase-In Schedule

 

 

Minimum Capital Required

For Capital

Adequacy Plus

Capital Conservation Buffer

Basel III Fully Phased In

 

 

Minimum To Be

Well-Capitalized

Under

Prompt Corrective

Action Provisions

 

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

 

(dollars in thousands)

 

At December 31, 2018

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cambridge Bancorp:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk-weighted

   assets)

 

$

189,888

 

 

 

13.2

%

 

$

114,666

 

 

 

8.0

%

 

$

141,541

 

 

 

9.875

%

 

$

150,500

 

 

 

10.5

%

 

N/A

 

 

N/A

 

Tier I capital (to risk-weighted

   assets)

 

 

173,070

 

 

 

12.1

%

 

 

86,000

 

 

 

6.0

%

 

 

112,875

 

 

 

7.875

%

 

 

121,833

 

 

 

8.5

%

 

N/A

 

 

N/A

 

Common equity tier I capital

   (to risk-weighted assets)

 

 

173,070

 

 

 

12.1

%

 

 

64,500

 

 

 

4.5

%

 

 

91,375

 

 

 

6.375

%

 

 

100,333

 

 

 

7.0

%

 

N/A

 

 

N/A

 

Tier I capital (to average

   assets)

 

 

173,070

 

 

 

8.5

%

 

 

81,507

 

 

 

4.0

%

 

 

81,507

 

 

 

4.000

%

 

 

81,507

 

 

 

4.0

%

 

N/A

 

 

N/A

 

Cambridge Trust Company:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk-weighted

   assets)

 

$

185,507

 

 

 

12.9

%

 

$

114,666

 

 

 

8.0

%

 

$

141,541

 

 

 

9.875

%

 

$

150,500

 

 

 

10.5

%

 

$

143,333

 

 

 

10.0

%

Tier I capital (to risk-weighted

   assets)

 

 

168,689

 

 

 

11.8

%

 

 

86,000

 

 

 

6.0

%

 

 

112,875

 

 

 

7.875

%

 

 

121,833

 

 

 

8.5

%

 

 

114,666

 

 

 

8.0

%

Common equity tier I capital

   (to risk-weighted assets)

 

 

168,689

 

 

 

11.8

%

 

 

64,500

 

 

 

4.5

%

 

 

91,375

 

 

 

6.375

%

 

 

100,333

 

 

 

7.0

%

 

 

93,166

 

 

 

6.5

%

Tier I capital (to average

   assets)

 

 

168,689

 

 

 

8.3

%

 

 

81,507

 

 

 

4.0

%

 

 

81,507

 

 

 

4.000

%

 

 

81,507

 

 

 

4.0

%

 

 

101,884

 

 

 

5.0

%