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Shareholders' Equity (Tables)
 12 Months Ended
Dec. 31, 2016
Shareholders' Equity  
Schedule of the Company's and the Bank's actual regulatory capital ratios

 

                                                                                                                                                                                                    

 

 

Actual

 

Capital Needed For
Adequacy Purposes (1)

 

Capital Needed
To Be Well Capitalized
Under Prompt Corrective
Action Provisions (2)

 

 

 

Capital
Amount

 

Ratio

 

Capital
Amount

 

Ratio

 

Capital
Amount

 

Ratio

 

 

 

 

(dollars in thousands)

 

As of December 31, 2016

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Company

 

  $
212,148 

 

 
13.87% 

 

  $
131,885 

 

 
8.625% 

 

 

N/A

 

 

N/A

 

Heritage Oaks Bank

 

  $
203,986 

 

 
13.35% 

 

  $
131,803 

 

 
8.625% 

 

  $
152,815 

 

 
10.0% 

 

Tier I capital to risk-weighted assets:

 

 


 

 

 


 

 

 


 

 

 


 

 

 


 

 

 


 

 

Company

 

  $
194,401 

 

 
12.71% 

 

  $
101,303 

 

 
6.625% 

 

 

N/A

 

 

N/A

 

Heritage Oaks Bank

 

  $
186,239 

 

 
12.19% 

 

  $
101,240 

 

 
6.625% 

 

  $
122,252 

 

 
8.0% 

 

Tier I capital to average assets:

 

 


 

 

 


 

 

 


 

 

 


 

 

 


 

 

 


 

 

Company

 

  $
194,401 

 

 
9.88% 

 

  $
78,705 

 

 
4.000% 

 

 

N/A

 

 

N/A

 

Heritage Oaks Bank

 

  $
186,239 

 

 
9.47% 

 

  $
78,636 

 

 
4.000% 

 

  $
98,296 

 

 
5.0% 

 

Common Equity Tier I capital:

 

 


 

 

 


 

 

 


 

 

 


 

 

 


 

 

 


 

 

Company

 

  $
185,889 

 

 
12.16% 

 

  $
78,366 

 

 
5.125% 

 

 

N/A

 

 

N/A

 

Heritage Oaks Bank

 

  $
186,239 

 

 
12.19% 

 

  $
78,318 

 

 
5.125% 

 

  $
99,330 

 

 
6.5% 

 

As of December 31, 2015

 

 


 

 

 


 

 

 


 

 

 


 

 

 


 

 

 


 

 

Total capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Company

 

  $
199,810 

 

 
14.26% 

 

  $
112,096 

 

 
8.0% 

 

 

N/A

 

 

N/A

 

Heritage Oaks Bank

 

  $
192,221 

 

 
13.74% 

 

  $
111,951 

 

 
8.0% 

 

  $
139,939 

 

 
10.0% 

 

Tier I capital to risk-weighted assets:

 

 


 

 

 


 

 

 


 

 

 


 

 

 


 

 

 


 

 

Company

 

  $
182,234 

 

 
13.01% 

 

  $
84,072 

 

 
6.0% 

 

 

N/A

 

 

N/A

 

Heritage Oaks Bank

 

  $
174,667 

 

 
12.48% 

 

  $
83,963 

 

 
6.0% 

 

  $
111,951 

 

 
8.0% 

 

Tier I capital to average assets:

 

 


 

 

 


 

 

 


 

 

 


 

 

 


 

 

 


 

 

Company

 

  $
182,234 

 

 
9.90% 

 

  $
73,664 

 

 
4.0% 

 

 

N/A

 

 

N/A

 

Heritage Oaks Bank

 

  $
174,667 

 

 
9.50% 

 

  $
73,581 

 

 
4.0% 

 

  $
91,976 

 

 
5.0% 

 

Common Equity Tier I capital:

 

 


 

 

 


 

 

 


 

 

 


 

 

 


 

 

 


 

 

Company

 

  $
176,722 

 

 
12.61% 

 

  $
63,054 

 

 
4.5% 

 

 

N/A

 

 

N/A

 

Heritage Oaks Bank

 

  $
174,667 

 

 
12.48% 

 

  $
62,972 

 

 
4.5% 

 

  $
90,960 

 

 
6.5% 

 

 

 

(1)     On a fully phased-in basis, effective January 1, 2019, under Basel III Capital rules, minimum capital ratios will be as follows: Common Equity Tier I capital: 7.0%; Leverage ratio: 6.5%; Tier I capital: 8.5%; Total risk-based capital: 10.5%.

(2)     Reflects minimum threshold to be considered "well capitalized" under the Prompt Corrective Action framework, specific to depository institutions.