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Regulatory Capital | 9 Months Ended
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Sep. 30, 2021
Notes To Financial Statements |
Regulatory Capital | 13. Regulatory Capital Under current capital regulations, the Bank is required to comply with four separate capital adequacy standards and a Capital Conservation Buffer (“CCB”). As of September 30, 2021, the Bank 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 Bank at September 30, 2021 and December 31, 2020 was 5.46% and 4.30%, respectively. Set forth below is a summary of the Bank’s compliance with banking regulatory capital standards. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | September 30, 2021 |  | December 31, 2020 |
​ | ​ | ​ | ​ | ​ | Percent of | ​ | ​ | ​ | ​ | Percent of |
​ |  | Amount |  | Assets |  | Amount |  | Assets |
​ |  | (Dollars in thousands) | ​
Tier I (leverage) capital: |  | ​ |  |  |  |  | ​ |  |  |  | ​
Capital level | ​ | $ | 800,352 |  | 9.93 | % | $ | 733,010 |  | 9.27 | %
Requirement to be well capitalized | ​ |  | 403,092 |  | 5.00 | ​ |  | 395,510 |  | 5.00 | ​
Excess | ​ |  | 397,260 |  | 4.93 | ​ |  | 337,500 |  | 4.27 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Common Equity Tier I risk-based capital: | ​ |  |  |  |  | ​ |  |  |  |  | ​
Capital level | ​ | $ | 800,352 |  | 12.91 | % | $ | 733,010 |  | 11.65 | %
Requirement to be well capitalized | ​ |  | 402,849 |  | 6.50 | ​ |  | 408,929 |  | 6.50 | ​
Excess | ​ |  | 397,503 |  | 6.41 | ​ |  | 324,081 |  | 5.15 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Tier 1 risk-based capital: | ​ |  |  |  |  | ​ |  |  |  |  | ​
Capital level | ​ | $ | 800,352 |  | 12.91 | % | $ | 733,010 |  | 11.65 | %
Requirement to be well capitalized | ​ |  | 495,814 |  | 8.00 | ​ |  | 503,297 |  | 8.00 | ​
Excess | ​ |  | 304,538 |  | 4.91 | ​ |  | 229,713 |  | 3.65 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total risk-based capital: | ​ |  |  |  |  | ​ |  |  |  |  | ​
Capital level | ​ | $ | 834,131 |  | 13.46 | % | $ | 773,807 |  | 12.30 | %
Requirement to be well capitalized | ​ |  | 619,768 |  | 10.00 | ​ |  | 629,121 |  | 10.00 | ​
Excess | ​ |  | 214,363 |  | 3.46 | ​ |  | 144,686 |  | 2.30 | ​
​ The Holding Company is subject to the same regulatory capital requirements as the Bank. As of September 30, 2021, 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 September 30, 2021 and December 31, 2020 was 5.44% and 4.54%, respectively. Set forth below is a summary of the Holding Company’s compliance with banking regulatory capital standards. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | September 30, 2021 |  | December 31, 2020 |
​ | ​ | ​ | ​ | ​ | Percent of | ​ | ​ | ​ | ​ | Percent of |
​ |  | Amount |  | Assets |  | Amount |  | Assets |
​ | ​ | (Dollars in thousands) |
Tier I (leverage) capital: |  | ​ |  |  |  |  | ​ |  |  |  | ​
Capital level | ​ | $ | 711,276 |  | 8.83 | % | $ | 662,987 |  | 8.38 | %
Requirement to be well capitalized | ​ |  | 402,936 |  | 5.00 | ​ |  | 395,439 |  | 5.00 | ​
Excess | ​ |  | 308,340 |  | 3.83 | ​ |  | 267,548 |  | 3.38 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Common Equity Tier I risk-based capital: | ​ |  |  |  |  | ​ |  |  |  |  | ​
Capital level | ​ | $ | 661,340 |  | 10.68 | % | $ | 621,247 |  | 9.88 | %
Requirement to be well capitalized | ​ |  | 402,623 |  | 6.50 | ​ |  | 408,694 |  | 6.50 | ​
Excess | ​ |  | 258,717 |  | 4.18 | ​ |  | 212,553 |  | 3.38 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Tier 1 risk-based capital: | ​ |  |  |  |  | ​ |  |  |  |  | ​
Capital level | ​ | $ | 711,276 |  | 11.48 | % | $ | 662,987 |  | 10.54 | %
Requirement to be well capitalized | ​ |  | 495,537 |  | 8.00 | ​ |  | 503,008 |  | 8.00 | ​
Excess | ​ |  | 215,739 |  | 3.48 | ​ |  | 159,979 |  | 2.54 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total risk-based capital: | ​ |  |  |  |  | ​ |  |  |  |  | ​
Capital level | ​ | $ | 832,255 |  | 13.44 | % | $ | 794,034 |  | 12.63 | %
Requirement to be well capitalized | ​ |  | 619,421 |  | 10.00 | ​ |  | 628,760 |  | 10.00 | ​
Excess | ​ |  | 212,834 |  | 3.44 | ​ |  | 165,274 |  | 2.63 | ​
​

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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://www.xbrl.org/2003/role/disclosureRef -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 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (c)(2) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -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://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (a)(2) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (a)(1) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (e) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -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 + Details
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