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Note 14 - Regulatory Capital
 12 Months Ended
Dec. 31, 2017
Notes to Financial Statements  
Regulatory Capital Requirements under Banking Regulations [Text Block]
14.
Regulatory Capital
 
Under current capital regulations, the Bank is required to comply with
four
separate capital adequacy standards. As of
December 31, 2017,
the Bank continued to be categorized as “well-capitalized” under the prompt corrective action regulations and continued to exceed all regulatory capital requirements. In
2016,
a Capital Conservation Buffer (“CCB”) requirement became effective for banks. The CCB is designed to establish a capital range above minimum capital requirements and impose constraints on dividends, share buybacks and discretionary bonus payments when capital levels fall below prescribed levels. The minimum CCB in
2017
was
1.25%
and increases
0.625%
annually through
2019
to
2.5%.
The CCB for the Bank at
December 31, 2017
and
2016
was
6.31%
and
6.64%,
respectively.
 
Set forth below is a summary of the Bank’s compliance with banking regulatory capital standards.
 
    December 31, 2017   December 31, 2016
    Amount   Percent of
Assets		   Amount   Percent of
Assets
    (Dollars in thousands)
                 
Tier I (leverage) capital:                                
Capital level   $
631,285
      
10.11
 %   $
607,033
      
10.12
 %
Requirement to be well capitalized    
312,343
      
5.00
      
299,848
      
5.00
  
Excess    
318,942
      
5.11
      
307,185
      
5.12
  
                                 
Common Equity Tier I risk-based capital:                                
Capital level   $
631,285
      
13.87
 %   $
607,033
      
14.12
 %
Requirement to be well capitalized    
295,937
      
6.50
      
279,443
      
6.50
  
Excess    
335,348
      
7.37
      
327,590
      
7.62
  
                                 
Tier I risk-based capital:                                
Capital level   $
631,285
      
13.87
 %   $
607,033
      
14.12
 %
Requirement to be well capitalized    
364,230
      
8.00
      
343,930
      
8.00
  
Excess    
267,055
      
5.87
      
263,103
      
6.12
  
                                 
Total risk-based capital:                                
Capital level   $
651,636
      
14.31
 %   $
629,262
      
14.64
 %
Requirement to be well capitalized    
455,288
      
10.00
      
429,913
      
10.00
  
Excess    
196,348
      
4.31
      
199,349
      
4.64
  
 
The Holding Company is subject to the same regulatory capital requirements as the Bank. As of
December 31, 2017,
the Holding Company continues to be categorized as “well-capitalized” under the prompt corrective action regulations and continues to exceed all regulatory capital requirements. The CCB for the Holding Company at
December 31, 2017
and
2016
was
6.38%
and
6.56%,
respectively.
 
Set forth below is a summary of the Holding Company’s compliance with banking regulatory capital standards.
 
    December 31, 2017   December 31, 2016
    Amount   Percent of
Assets		   Amount   Percent of
Assets
    (Dollars in thousands)
                 
Tier I (leverage) capital:                                
Capital level   $
563,426
      
9.02
 %   $
539,228
      
9.00
 %
Requirement to be well capitalized    
312,278
      
5.00
      
299,654
      
5.00
  
Excess    
251,148
      
4.02
      
239,574
      
4.00
  
                                 
Common Equity Tier I risk-based capital:                                
Capital level   $
527,727
      
11.59
 %   $
506,432
      
11.79
 %
Requirement to be well capitalized    
295,865
      
6.50
      
279,121
      
6.50
  
Excess    
231,862
      
5.09
      
227,311
      
5.29
  
                                 
Tier I risk-based capital:                                
Capital level   $
563,426
      
12.38
 %   $
539,228
      
12.56
 %
Requirement to be well capitalized    
364,141
      
8.00
      
343,534
      
8.00
  
Excess    
199,285
      
4.38
      
195,694
      
4.56
  
                                 
Total risk-based capital:                                
Capital level   $
658,777
      
14.47
 %   $
636,457
      
14.82
 %
Requirement to be well capitalized    
455,177
      
10.00
      
429,417
      
10.00
  
Excess    
203,600
      
4.47
      
207,040
      
4.82