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% |
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