Regulatory Capital (Tables)

3 Months Ended

Mar. 31, 2020

Regulatory Assets and Liabilities Disclosure [Abstract]

Regulatory

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)			March 31, 2020			December 31, 2019			March 31, 2020			December 31, 2019
Common equity			$	185,267		$	181,494		$	193,741		$	202,604
Goodwill			(10,835)			(10,835)			(10,835)			(10,835)
Core deposit intangible (net of deferred tax liability)			(1,422)			(1,534)			(1,422)			(1,534)
AOCI (gains) losses			(3,159)			(1,504)			(3,159)			(1,504)
Common Equity Tier 1 Capital			169,851			167,621			178,325			188,731
TRUPs			12,000			12,000			—			—
Tier 1 Capital			181,851			179,621			178,325			188,731
Allowable reserve for credit losses and other Tier 2 adjustments			15,112			10,993			15,112			10,993
Subordinated notes			—			23,000			—			—
Tier 2 Capital			$	196,963		$	213,614		$	193,437		$	199,724
Risk-Weighted Assets ("RWA")			$	1,538,846		$	1,508,352		$	1,537,295		$	1,506,766
Average Assets ("AA")			$	1,782,372		$	1,782,834		$	1,780,765		$	1,781,415
Regulatory Min. Ratio + CCB (1)
Common Tier 1 Capital to RWA	7.00	%	11.04		%	11.11		%	11.60		%	12.53		%
Tier 1 Capital to RWA	8.50		11.82			11.91			11.60			12.53
Tier 2 Capital to RWA	10.50		12.80			14.16			12.58			13.26
Tier 1 Capital to AA (Leverage) (2)	n/a		10.20			10.08			10.01			10.59

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(1)The regulatory minimum capital ratio ("Min. Ratio") + the capital conservation buffer ("CCB").

(2)Tier 1 Capital to AA (Leverage) has no capital conservation buffer defined. PCA well capitalized is defined as 5.00%.