Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2016

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

Peoples' and Peoples Bank's actual capital amounts and ratios as of December 31 are also presented in the following table:



	2016				2015
(Dollars in thousands)	Amount		Ratio		Amount		Ratio
PEOPLES
Common Equity Tier 1 ⁽¹⁾
Actual	$	306,506	12.9	%	$	288,416	13.4	%
For capital adequacy	106,801		4.5	%	97,142		4.5	%
To be well capitalized	154,268		6.5	%	140,316		6.5	%
Tier 1 ⁽²⁾
Actual	$	313,430	13.2	%	$	295,151	13.7	%
For capital adequacy	142,402		6.0	%	129,523		6.0	%
To be well capitalized	189,869		8.0	%	172,697		8.0	%
Total Capital ⁽³⁾
Actual	$	334,957	14.1	%	$	313,974	14.5	%
For capital adequacy	189,869		8.0	%	172,697		8.0	%
To be well capitalized	237,336		10.0	%	215,871		10.0	%
Tier 1 Leverage ⁽⁴⁾
Actual	$	313,430	9.7	%	$	295,151	9.5	%
For capital adequacy	129,803		4.0	%	123,973		4.0	%
To be well capitalized	162,254		5.0	%	154,967		5.0	%
Net Risk-Weighted Assets	$	2,373,359			$	2,158,713

PEOPLES BANK
Common Equity Tier 1 ⁽¹⁾
Actual	$	271,319	11.5	%	$	257,045	11.9	%
For capital adequacy	106,474		4.5	%	96,974		4.5	%
To be well capitalized	153,795		6.5	%	140,074		6.5	%
Tier 1 ⁽²⁾
Actual	$	291,319	12.3	%	$	277,045	12.9	%
For capital adequacy	141,965		6.0	%	129,299		6.0	%
To be well capitalized	189,287		8.0	%	172,399		8.0	%
Total Capital ⁽³⁾
Actual	$	309,749	13.1	%	$	293,823	13.6	%
For capital adequacy	189,287		8.0	%	172,399		8.0	%
To be well capitalized	236,608		10.0	%	215,499		10.0	%
Tier 1 Leverage ⁽⁴⁾
Actual	$	291,319	9.0	%	$	277,045	9.0	%
For capital adequacy	129,633		4.0	%	123,742		4.0	%
To be well capitalized	162,041		5.0	%	154,677		5.0	%
Net Risk-Weighted Assets	$	2,366,082			$	2,154,985
(1) Ratio represents Common Equity Tier 1 capital to net risk-weighted assets
(2) Ratio represents Tier 1 capital to net risk-weighted assets
(3) Ratio represents total capital to net risk-weighted assets
(4) Ratio represents Tier 1 capital to average assets