XML 65 R46.htm IDEA: XBRL DOCUMENT v3.10.0.1
REGULATORY CAPITAL REQUIREMENTS (Tables)
 12 Months Ended
Dec. 31, 2018
Banking and Thrift [Abstract]  
Actual Capital Amounts and Ratios
Both the Company’s and the Bank’s actual capital amounts and ratios are presented in the table below.

 
 
Actual
 
Minimum to be Well Capitalized
 
Minimum for Capital Adequacy Purposes with Capital Buffer 1
 
Minimum for Capital Adequacy Purposes
(Dollars in thousands)
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
As of December 31, 2018
 
 

 
 
 
 

 
 
 
 
 
 
 
 

 
 
     Total Capital (to risk-weighted assets)
          Consolidated
 
$
193,495

 
13.8%
 
N/A
 
N/A
 
N/A
 
N/A
 
$
112,299

 
8.0%
          Subsidiary Bank
 
$
186,127

 
13.3%
 
$
140,065

 
10.0%
 
$
138,314

 
9.88%
 
$
112,052

 
8.0%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     Tier 1 Capital (to risk-weighted assets)
          Consolidated
 
$
168,672

 
12.0%
 
N/A
 
N/A
 
N/A
 
N/A
 
$
84,224

 
6.0%
          Subsidiary Bank
 
$
174,704

 
12.5%
 
$
112,052

 
8.0%
 
$
110,301

 
7.88%
 
$
84,039

 
6.0%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     Common Equity Tier 1 Capital (to risk-weighted assets)
          Consolidated
 
$
156,714

 
11.2%
 
N/A
 
N/A
 
N/A
 
N/A
 
$
63,168

 
4.5%
          Subsidiary Bank
 
$
174,704

 
12.5%
 
$
91,042

 
6.5%
 
$
89,292

 
6.38%
 
$
63,029

 
4.5%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     Tier 1 Capital (to average assets)
          Consolidated
 
$
168,672

 
9.9%
 
N/A
 
N/A
 
N/A
 
N/A
 
$
68,375

 
4.0%
          Subsidiary Bank
 
$
174,704

 
10.2%
 
$
85,315

 
5.0%
 
N/A

 
N/A
 
$
68,252

 
4.0%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
As of December 31, 2017
 
 

 
 
 
 

 
 
 
 
 
 
 
 

 
 
     Total Capital (to risk-weighted assets)
          Consolidated
 
$
178,147

 
14.9%
 
N/A
 
N/A
 
N/A
 
N/A
 
$
95,848

 
8.0%
          Subsidiary Bank
 
$
169,536

 
14.2%
 
$
119,231

 
10.0%
 
$
110,289

 
9.25%
 
$
95,385

 
8.0%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     Tier 1 Capital (to risk-weighted assets)
          Consolidated
 
$
138,308

 
11.5%
 
N/A
 
N/A
 
N/A
 
N/A
 
$
71,886

 
6.0%
          Subsidiary Bank
 
$
159,097

 
13.3%
 
$
95,385

 
8.0%
 
$
86,443

 
7.25%
 
$
71,539

 
6.0%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     Common Equity Tier 1 Capital (to risk-weighted assets)
          Consolidated
 
$
126,350

 
10.6%
 
N/A
 
N/A
 
N/A
 
N/A
 
$
53,915

 
4.5%
          Subsidiary Bank
 
$
159,097

 
13.3%
 
$
77,500

 
6.5%
 
$
68,558

 
5.75%
 
$
53,654

 
4.5%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     Tier 1 Capital (to average assets)
          Consolidated
 
$
138,308

 
9.3%
 
N/A
 
N/A
 
N/A
 
N/A
 
$
58,667

 
4.0%
          Subsidiary Bank
 
$
159,097

 
10.7%
 
$
73,119

 
5.0%
 
N/A

 
N/A
 
$
58,495

 
4.0%


1 The capital conservation buffer requirement will be phased in over three years beginning in 2016. The capital buffer requirement effectively raises the minimum required common equity Tier 1 capital ratio to 7.0%, the Tier 1 capital ratio to 8.5% and the total capital to 10.5% on a fully phased-in basis.