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Regulatory Capital

9 Months Ended

Sep. 30, 2022

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, 2022, 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 was 5.44% and 6.13% at September 30, 2022 and December 31, 2021, respectively.

Set forth below is a summary of the Bank’s compliance with banking regulatory capital standards.

​

​	​	​	​	​	​	​	​	​	​	​	​
​		September 30, 2022					December 31, 2021
​	​	​	​	​	Percent of	​	​	​	​	Percent of
​		Amount			Assets		Amount			Assets
​		(Dollars in thousands)									​
Tier I (leverage) capital:		​					​				​
Capital level	​	$	859,779		10.03	%	$	840,105		10.39	%
Requirement to be well-capitalized	​		428,594		5.00	​		404,366		5.00	​
Excess	​		431,185		5.03	​		435,739		5.39	​
​	​	​	​	​	​	​	​	​	​	​	​
Common Equity Tier I risk-based capital:	​					​					​
Capital level	​	$	859,779		12.85	%	$	840,105		13.58	%
Requirement to be well-capitalized	​		434,966		6.50	​		402,100		6.50	​
Excess	​		424,813		6.35	​		438,005		7.08	​
​	​	​	​	​	​	​	​	​	​	​	​
Tier I risk-based capital:	​					​					​
Capital level	​	$	859,779		12.85	%	$	840,105		13.58	%
Requirement to be well-capitalized	​		535,343		8.00	​		494,892		8.00	​
Excess	​		324,436		4.85	​		345,213		5.58	​
​	​	​	​	​	​	​	​	​	​	​	​
Total risk-based capital:	​					​					​
Capital level	​	$	899,274		13.44	%	$	874,400		14.13	%
Requirement to be well-capitalized	​		669,179		10.00	​		618,615		10.00	​
Excess	​		230,095		3.44	​		255,785		4.13	​

​

The Holding Company is subject to the same regulatory capital requirements as the Bank. As of September 30, 2022, 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, 2022 and December 31, 2021 was 5.20% and 5.75%, respectively.

​

Set forth below is a summary of the Holding Company’s compliance with banking regulatory capital standards.

​

​	​	​	​	​	​	​	​	​	​	​	​
​		September 30, 2022					December 31, 2021
​	​	​	​	​	Percent of	​	​	​	​	Percent of
​		Amount			Assets		Amount			Assets
​	​	(Dollars in thousands)
Tier I (leverage) capital:		​					​				​
Capital level	​	$	749,526		8.74	%	$	726,174		8.98	%
Requirement to be well-capitalized	​		428,619		5.00	​		404,422		5.00	​
Excess	​		320,907		3.74	​		321,752		3.98	​
​	​	​	​	​	​	​	​	​	​	​	​
Common Equity Tier I risk-based capital:	​					​					​
Capital level	​	$	701,532		10.49	%	$	671,494		10.86	%
Requirement to be well-capitalized	​		434,803		6.50	​		401,836		6.50	​
Excess	​		266,729		3.99	​		269,658		4.36	​
​	​	​	​	​	​	​	​	​	​	​	​
Tier I risk-based capital:	​					​					​
Capital level	​	$	749,526		11.20	%	$	726,174		11.75	%
Requirement to be well-capitalized	​		535,143		8.00	​		494,568		8.00	​
Excess	​		214,383		3.20	​		231,606		3.75	​
​	​	​	​	​	​	​	​	​	​	​	​
Total risk-based capital:	​					​					​
Capital level	​	$	979,021		14.64	%	$	885,469		14.32	%
Requirement to be well-capitalized	​		668,928		10.00	​		618,210		10.00	​
Excess	​		310,093		4.64	​		267,259		4.32	​

​

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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.

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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
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