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Regulations and Supervision (Tables)
12 Months Ended
Dec. 31, 2019
Banking and Thrift [Abstract]  
Schedule of capital amounts and ratios
Actual capital amounts and ratios of the Company and its subsidiary banks are as follows:
 
Actual
 
Minimum Capital Required- Basel III Fully-Phased-In
 
Required
to be Considered
Well Capitalized
(dollar amounts in thousands)
Amount/Ratio
 
Amount/Ratio
 
Amount/Ratio
December 31, 2019
 
 
 
 
 
Total Capital (to risk-weighted assets)
 
 
 
 
 
The Company (consolidated)
$666,106 /13.5%
 
$517,039 />10.5%
 
$492,418 />10.0%
Trust Company
$197,660/14.1%
 
$147,405 />10.5%
 
$140,386 />10.0%
Castile
$145,669/12.2%
 
$125,493 />10.5%
 
$119,517 />10.0%
Mahopac
$128,238/13.0%
 
$103,800 />10.5%
 
$98,857 />10.0%
VIST
$161,559/12.2%
 
$139,235 />10.5%
 
$132,605 />10.0%
Common Equity Tier 1 Capital (to risk-weighted assets)
 
 
The Company (consolidated)
$607,290/12.3%
 
$344,692 />7.0%
 
$320,072 />6.5%
Trust Company
$185,499/13.2%
 
$98,270 />7.0%
 
$91,251 />6.5%
Castile
$136,342/11.4%
 
$83,662 />7.0%
 
$77,686 />6.5%
Mahopac
$116,953/11.8%
 
$69,200 />7.0%
 
$64,257 />6.5%
VIST
$152,550/11.5%
 
$92,823 />7.0%
 
$86,193 />6.5%
Tier 1 Capital (to risk-weighted assets)
 
 
 
 
 
The Company (consolidated)
$624,325/12.7%
 
$418,555 />8.5%
 
$393,934 />8.0%
Trust Company
$185,499/13.2%
 
$119,328 />8.5%
 
$112,309 />8.0%
Castile
$136,342/11.4%
 
$101,589 />8.5%
 
$95,614 />8.0%
Mahopac
$116,953/11.8%
 
$84,029 />8.5%
 
$79,086 />8.0%
VIST
$152,550/11.5%
 
$112,714 />8.5%
 
$106,084 />8.0%
Tier 1 Capital (to average assets)
 
 
 
 
 
The Company (consolidated)
$624,325/9.6%
 
$259,903 />4.0%
 
$324,879 />5.0%
Trust Company
$185,499/9.2%
 
$81,001 />4.0%
 
$101,252 />5.0%
Castile
$136,342/9.2%
 
$59,239 />4.0%
 
$74,049 />5.0%
Mahopac
$116,953/8.9%
 
$52,469 />4.0%
 
$65,586 />5.0%
VIST
$152,550/8.7%
 
$70,228 />4.0%
 
$87,785 />5.0%
 
 
 
 
 
 
December 31, 2018
 
 
 
 
 
Total Capital (to risk-weighted assets)
 
 
 
 
 
The Company (consolidated)
$645,891 /13.1%
 
$517,500 />10.5%
 
$492,857 />10.0%
Trust Company
$191,872/13.9%
 
$144,822 />10.5%
 
$137,926 />10.0%
Castile
$138,816/11.7%
 
$124,738 />10.5%
 
$118,798 />10.0%
Mahopac
$126,342/12.7%
 
$104,146 />10.5%
 
$99,186 />10.0%
VIST
$158,557/11.7%
 
$142,048 />10.5%
 
$135,284 />10.0%
Common Equity Tier 1 Capital (to risk-weighted assets)
The Company (consolidated)
$583,458/11.8%
 
$345,000 />7.0%
 
$320,357 />6.5%
Trust Company
$180,077/13.1%
 
$96,548 />7.0%
 
$89,652 />6.5%
Castile
$129,482/10.9%
 
$83,159 />7.0%
 
$77,219 />6.5%
Mahopac
$114,327/11.5%
 
$69,431 />7.0%
 
$64,471 />6.5%
VIST
$146,131/10.8%
 
$94,699 />7.0%
 
$87,934 />6.5%
Tier 1 Capital (to risk-weighted assets)
 
 
 
 
 
The Company (consolidated)
$600,321/12.2%
 
$418,929 />8.5%
 
$394,286 />8.0%
Trust Company
$180,077/13.1%
 
$117,237 />8.5%
 
$110,341 />8.0%
Castile
$129,482/10.9%
 
$100,978 />8.5%
 
$95,038 />8.0%
Mahopac
$114,327/11.5%
 
$84,309 />8.5%
 
$79,349 />8.0%
VIST
$146,131/10.8%
 
$114,991 />8.5%
 
$108,227 />8.0%
Tier 1 Capital (to average assets)
 
 
 
 
 
The Company (consolidated)
$600,321/9.1%
 
$265,465 />4.0%
 
$331,832 />5.0%
Trust Company
$180,077/8.5%
 
$84,592 />4.0%
 
$105,740 />5.0%
Castile
$129,482/8.6%
 
$60,368 />4.0%
 
$75,460 />5.0%
Mahopac
$114,327/8.4%
 
$54,219 />4.0%
 
$67,773 />5.0%
VIST
$146,131/8.8%
 
$66,282 />4.0%
 
$82,853 />5.0%