Regulatory Capital (Tables)

12 Months Ended

Dec. 31, 2020

Regulatory Assets and Liabilities Disclosure [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, 2020			December 31, 2019			December 31, 2020			December 31, 2019
Common equity		$	198,013		$	181,494		$	217,142		$	202,604
Goodwill		(10,835)			(10,835)			(10,835)			(10,835)
Core deposit intangible (net of deferred tax liability)		(1,129)			(1,534)			(1,129)			(1,534)
AOCI (gains) losses		(4,504)			(1,504)			(4,504)			(1,504)
Common Equity Tier 1 Capital		181,545			167,621			200,674			188,731
TRUPs		12,000			12,000			—			—
Tier 1 Capital		193,545			179,621			200,674			188,731
Allowable reserve for credit losses and other Tier 2 adjustments		19,475			10,993			19,475			10,993
Subordinated notes		19,526			23,000			—			—
Tier 2 Capital		$	232,546		$	213,614		$	220,149		$	199,724
Risk-Weighted Assets ("RWA")		$	1,582,581		$	1,508,352		$	1,580,786		$	1,506,766
Average Assets ("AA")		$	2,025,061		$	1,782,834		$	2,023,325		$	1,781,415
Regulatory Min. Ratio + CCB (1)
Common Tier 1 Capital to RWA	7.00%	11.47		%	11.11		%	12.69		%	12.53		%
Tier 1 Capital to RWA	8.50	12.23			11.91			12.69			12.53
Tier 2 Capital to RWA	10.50	14.69			14.16			13.93			13.26
Tier 1 Capital to AA (Leverage) (2)	n/a	9.56			10.08			9.92			10.59

(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. The prompt corrective action ("PCA") well capitalized is defined as 5.00%.