XML 55 R40.htm IDEA: XBRL DOCUMENT v3.6.0.2
Regulatory Capital Requirements (Tables)
12 Months Ended
Dec. 31, 2016
Banking and Thrift [Abstract]  
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations
The following table presents actual and required capital ratios as of December 31, 2016 and 2015 for the Company and the Bank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of December 31, 2016 and 2015 based on the phase-in provisions of the Basel III Capital Rules and the minimum required capital levels as of January 1, 2019 when the Basel III Capital Rules have been fully phased-in. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules.
 
Actual
 
Minimum Capital Required - Basel III Phase-In Schedule
 
Minimum Capital Required - Basel III Fully Phased-In
 
Minimum Required to be Considered Well Capitalized
 
Capital Amount
 
Ratio
 
Capital Amount
 
Ratio
 
Capital Amount
 
Ratio
 
Capital Amount
 
Ratio
As of December 31, 2016:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Common equity tier 1 capital to risk-weighted assets
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
158,479

 
11.54
%
 
$
70,366

 
5.13
%
 
$
96,110

 
7.00
%
 
N/A

 
N/A

Bank
162,617

 
11.88
%
 
70,145

 
5.13
%
 
95,807

 
7.00
%
 
88,964

 
6.50
%
Tier 1 capital to risk-weighted assets
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
158,479

 
11.54
%
 
90,961

 
6.63
%
 
116,705

 
8.50
%
 
N/A

 
N/A

Bank
162,617

 
11.88
%
 
90,675

 
6.63
%
 
116,337

 
8.50
%
 
109,494

 
8.00
%
Total capital to risk-weighted assets
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
206,038

 
15.01
%
 
118,421

 
8.63
%
 
144,165

 
10.50
%
 
N/A

 
N/A

Bank
173,598

 
12.68
%
 
118,048

 
8.63
%
 
143,711

 
10.50
%
 
136,868

 
10.00
%
Leverage ratio
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
158,479

 
8.65
%
 
73,311

 
4.00
%
 
73,311

 
4.00
%
 
N/A

 
N/A

Bank
162,617

 
8.89
%
 
73,186

 
4.00
%
 
73,186

 
4.00
%
 
91,483

 
5.00
%

 
Actual
 
Minimum Capital Required - Basel III Phase-In Schedule
 
Minimum Capital Required - Basel III Fully Phased-In
 
Minimum Required to be Considered Well Capitalized
 
Capital Amount
 
Ratio
 
Capital Amount
 
Ratio
 
Capital Amount
 
Ratio
 
Capital Amount
 
Ratio
As of December 31, 2015:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Common equity tier 1 capital to risk-weighted assets
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
100,839

 
10.11
%
 
$
44,881

 
4.50
%
 
$
69,815

 
7.00
%
 
N/A

 
N/A

Bank
104,434

 
10.50
%
 
44,768

 
4.50
%
 
69,639

 
7.00
%
 
64,664

 
6.50
%
Tier 1 capital to risk-weighted assets
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
100,839

 
10.11
%
 
59,842

 
6.00
%
 
84,776

 
8.50
%
 
N/A

 
N/A

Bank
104,434

 
10.50
%
 
59,690

 
6.00
%
 
84,561

 
8.50
%
 
79,587

 
8.00
%
Total capital to risk-weighted assets
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
122,190

 
12.25
%
 
79,789

 
8.00
%
 
104,723

 
10.50
%
 
N/A

 
N/A

Bank
112,785

 
11.34
%
 
79,587

 
8.00
%
 
104,458

 
10.50
%
 
99,484

 
10.00
%
Leverage ratio
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
100,839

 
8.28
%
 
48,713

 
4.00
%
 
48,713

 
4.00
%
 
N/A

 
N/A

Bank
104,434

 
8.59
%
 
48,636

 
4.00
%
 
48,636

 
4.00
%
 
60,796

 
5.00
%