Regulatory Capital (Tables)

12 Months Ended

Dec. 31, 2017

Regulatory Capital [Abstract]

Regulatory Matters

The Company’s and the Bank’s actual regulatory capital amounts and ratios are presented in the following table.

Regulatory Capital and Ratios			The Company				The Bank
(dollars in thousands)			December 31, 2017		December 31, 2016		December 31, 2017		December 31, 2016
Common Equity			$                   109,957		$                 104,426		$                   139,046		$                 136,109
AOCI Losses			1,191		928		1,191		928
Common Equity Tier 1 Capital			111,148		105,354		140,237		137,037
TRUPs			12,000		12,000		-		-
Tier 1 Capital			123,148		117,354		140,237		137,037
Allowable Reserve for Credit Losses and Other Tier 2 Adjustments			10,545		9,860		10,545		9,860
Subordinated Notes			23,000		23,000		-		-
Tier 2 Capital			$                   156,693		$                 150,214		$                   150,782		$                 146,897
Risk-Weighted Assets ("RWA")			$                1,169,341		$              1,104,505		$                1,164,478		$              1,102,116
Average Assets ("AA")			$                1,401,741		$              1,300,445		$                1,398,001		$              1,298,145
2019 Regulatory Min. Ratio + CCB (1)
Common Tier 1 Capital to RWA	7.00	%	9.51	%	9.54	%	12.04	%	12.43	%
Tier 1 Capital to RWA	8.50		10.53		10.62		12.04		12.43
Tier 2 Capital to RWA	10.50		13.40		13.60		12.95		13.33
Tier 1 Capital to AA (Leverage) (2)	n/a		8.79		9.02		10.03		10.56
(1) These are the fully phased-in ratios as of January 1, 2019 that include the minimum capital ratio ("Min. Ratio") + the capital conservation buffer ("CCB"). The phase-in period is more fully described in the footnote above.
(2) Tier 1 Capital to AA (Leverage) has no capital conservation buffer defined. PCA well capitalized is defined as 5.00%.