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Note 15 - Regulatory Capital | 3 Months Ended
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Mar. 31, 2019
Notes to Financial Statements |
Regulatory Capital Requirements under Banking Regulations [Text Block] |
15. | Regulatory Capital
Under current capital regulations, the Bank is required to comply with four separate capital adequacy standards. As of March 31, 2019, the Bank continues to be categorized as “well-capitalized” under the prompt corrective action regulations and continues to exceed all regulatory capital requirements. The Bank is also required to comply with a Capital Conservation Buffer (“CCB”). 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 is 2.500%. The CCB for the Bank at March 31, 2019 was 5.49%. Set forth below is a summary of the Bank’s compliance with banking regulatory capital standards.
|  | March 31, 2019 |  | December 31, 2018
|  | Amount |  | Percent of Assets |  | Amount |  | Percent of Assets
|  | (Dollars in thousands)
Tier I (leverage) capital: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Capital level |  | $ | 663,467 |  |  |  | 9.64 | % |  | $ | 660,782 |  |  |  | 9.85 | %
Requirement to be well capitalized |  |  | 344,216 |  |  |  | 5.00 |  |  |  | 335,512 |  |  |  | 5.00 |
Excess |  |  | 319,251 |  |  |  | 4.64 |  |  |  | 325,270 |  |  |  | 4.85 |
Common Equity Tier I risk-based capital: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Capital level |  | $ | 663,467 |  |  |  | 13.08 | % |  | $ | 660,782 |  |  |  | 13.28 | %
Requirement to be well capitalized |  |  | 329,701 |  |  |  | 6.50 |  |  |  | 323,386 |  |  |  | 6.50 |
Excess |  |  | 333,766 |  |  |  | 6.58 |  |  |  | 337,396 |  |  |  | 6.78 |
Tier 1 risk-based capital: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Capital level |  | $ | 663,467 |  |  |  | 13.08 | % |  | $ | 660,782 |  |  |  | 13.28 | %
Requirement to be well capitalized |  |  | 405,786 |  |  |  | 8.00 |  |  |  | 398,014 |  |  |  | 8.00 |
Excess |  |  | 257,681 |  |  |  | 5.08 |  |  |  | 262,768 |  |  |  | 5.28 |
Total risk-based capital: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Capital level |  | $ | 684,482 |  |  |  | 13.49 | % |  | $ | 681,727 |  |  |  | 13.70 | %
Requirement to be well capitalized |  |  | 507,232 |  |  |  | 10.00 |  |  |  | 497,517 |  |  |  | 10.00 |
Excess |  |  | 177,250 |  |  |  | 3.49 |  |  |  | 184,210 |  |  |  | 3.70 |
The Holding Company is subject to the same regulatory capital requirements as the Bank. As of March 31, 2019, 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 March 31, 2019 was 5.61%. Set forth below is a summary of the Holding Company’s compliance with banking regulatory capital standards.
|  | March 31, 2019 |  | December 31, 2018
|  | Amount |  | Percent of Assets |  | Amount |  | Percent of Assets
|  | (Dollars in thousands)
Tier I (leverage) capital: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Capital level |  | $ | 594,196 |  |  |  | 8.63 | % |  | $ | 586,582 |  |  |  | 8.74 | %
Requirement to be well capitalized |  |  | 344,147 |  |  |  | 5.00 |  |  |  | 335,616 |  |  |  | 5.00 |
Excess |  |  | 250,049 |  |  |  | 3.63 |  |  |  | 250,966 |  |  |  | 3.74 |
Common Equity Tier I risk-based capital: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Capital level |  | $ | 552,793 |  |  |  | 10.90 | % |  | $ | 546,230 |  |  |  | 10.98 | %
Requirement to be well capitalized |  |  | 329,661 |  |  |  | 6.50 |  |  |  | 323,382 |  |  |  | 6.50 |
Excess |  |  | 223,132 |  |  |  | 4.40 |  |  |  | 222,848 |  |  |  | 4.48 |
Tier 1 risk-based capital: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Capital level |  | $ | 594,196 |  |  |  | 11.72 | % |  | $ | 586,582 |  |  |  | 11.79 | %
Requirement to be well capitalized |  |  | 405,737 |  |  |  | 8.00 |  |  |  | 398,008 |  |  |  | 8.00 |
Excess |  |  | 188,459 |  |  |  | 3.72 |  |  |  | 188,574 |  |  |  | 3.79 |
Total risk-based capital: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Capital level |  | $ | 690,211 |  |  |  | 13.61 | % |  | $ | 682,527 |  |  |  | 13.72 | %
Requirement to be well capitalized |  |  | 507,171 |  |  |  | 10.00 |  |  |  | 497,511 |  |  |  | 10.00 |
Excess |  |  | 183,040 |  |  |  | 3.61 |  |  |  | 185,016 |  |  |  | 3.72 |

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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1C -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958572-112826 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1D -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958573-112826 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1B -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958570-112826 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1A -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958569-112826 Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1G -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958577-112826 Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1F -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958575-112826 Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1E -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958574-112826 Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1H -URI http://asc.fasb.org/extlink&oid=117337116&loc=d3e65071-112826 + Details
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