REGULATORY CAPITAL (Tables)

9 Months Ended

Sep. 30, 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)			September 30, 2020			December 31, 2019			September 30, 2020			December 31, 2019
Common equity			$	192,850		$	181,494		$	200,632		$	202,604
Goodwill			(10,835)			(10,835)			(10,835)			(10,835)
Core deposit intangible (net of deferred tax liability)			(1,232)			(1,534)			(1,232)			(1,534)
AOCI (gains) losses			(4,780)			(1,504)			(4,780)			(1,504)
Common Equity Tier 1 Capital			176,003			167,621			183,785			188,731
TRUPs			12,000			12,000			—			—
Tier 1 Capital			188,003			179,621			183,785			188,731
Allowable reserve for credit losses and other Tier 2 adjustments			18,880			10,993			18,880			10,993
Subordinated notes			—			23,000			—			—
Tier 2 Capital			$	206,883		$	213,614		$	202,665		$	199,724
Risk-Weighted Assets ("RWA")			$	1,584,216		$	1,508,352		$	1,582,143		$	1,506,766
Average Assets ("AA")			$	1,932,742		$	1,782,834		$	1,931,123		$	1,781,415
Regulatory Min. Ratio + CCB (1)
Common Tier 1 Capital to RWA	7.00	%	11.11		%	11.11		%	11.62		%	12.53		%
Tier 1 Capital to RWA	8.50		11.87			11.91			11.62			12.53
Tier 2 Capital to RWA	10.50		13.06			14.16			12.81			13.26
Tier 1 Capital to AA (Leverage) (2)	n/a		9.73			10.08			9.52			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%.