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Regulatory Capital | 9 Months Ended
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Sep. 30, 2018
Banking and Thrift [Abstract] |
Regulatory Capital | Regulatory Capital On July 2, 2013, the Board of Governors of the Federal Reserve Bank issued a final rule implementing a revised regulatory capital framework for U.S. banks in accordance with the Basel III international accord and satisfying related mandates under the Dodd-Frank Wall Street Reform and Consumer Protection Act. The revised regulatory capital framework (the “Basel III Capital Rules”) substantially revised the risk-based capital requirements applicable to bank holding companies and depository institutions by defining the components of capital and addressing other issues affecting the numerator in banking institutions’ regulatory capital ratios, addressing risk weights and other issues affecting the denominator in banking institutions’ regulatory capital ratios and replacing the existing risk-weighting approach with a more risk-sensitive approach. The Basel III Capital Rules became effective for the Company on January 1, 2015, subject to a phase-in period for certain provisions. The capital conservation buffer required under Basel III began to phase in starting January 1, 2016 and will be fully implemented on January 1, 2019. As of September 30, 2018 and December 31, 2017, the Company exceeded all capital adequacy requirements to which it is subject. Actual capital amounts and ratios for the Company and its subsidiary Banks, as of September 30, 2018 and December 31, 2017 are presented in the following tables:
| Actual |  | Adequately Capitalized Basel III Phase-In Schedule |  | Adequately Capitalized Basel III Fully Phased-In |  | Well Capitalized (1)
September 30, 2018 | Amount | Ratio |  | Amount | Ratio |  | Amount | Ratio |  | Amount | Ratio
Total risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | $ | 1,254.8 |  | 12.76 | % |  | $ | 971.1 |  | 9.875 | % |  | $ | 1,032.6 |  | 10.50 | % |  | $ | 983.4 |  | 10.00 | %
FIB | 1,107.7 |  | 12.28 |  |  | 890.5 |  | 9.875 |  |  | 946.9 |  | 10.50 |  |  | 901.8 |  | 10.00 |
INB | 77.6 |  | 9.86 |  |  | 77.7 |  | 9.875 |  |  | 82.7 |  | 10.50 |  |  | 78.7 |  | 10.00 |
Tier 1 risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 1,181.2 |  | 12.01 |  |  | 774.5 |  | 7.875 |  |  | 835.9 |  | 8.50 |  |  | 786.7 |  | 8.00 |
FIB | 1,034.0 |  | 11.47 |  |  | 710.2 |  | 7.875 |  |  | 766.5 |  | 8.50 |  |  | 721.5 |  | 8.00 |
INB | 77.6 |  | 9.86 |  |  | 62.0 |  | 7.875 |  |  | 66.9 |  | 8.50 |  |  | 63.0 |  | 8.00 |
Common equity tier 1 risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 1,096.8 |  | 11.15 |  |  | 626.9 |  | 6.375 |  |  | 688.4 |  | 7.00 |  |  | 639.2 |  | 6.50 |
FIB | 1,034.0 |  | 11.47 |  |  | 574.9 |  | 6.375 |  |  | 631.3 |  | 7.00 |  |  | 586.2 |  | 6.50 |
INB | 77.6 |  | 9.86 |  |  | 50.2 |  | 6.375 |  |  | 55.1 |  | 7.00 |  |  | 51.2 |  | 6.50 |
Leverage capital ratio: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 1,181.2 |  | 9.73 |  |  | 485.6 |  | 4.000 |  |  | 485.6 |  | 4.00 |  |  | 607.0 |  | 5.00 |
FIB | 1,034.0 |  | 8.77 |  |  | 471.8 |  | 4.000 |  |  | 471.8 |  | 4.00 |  |  | 589.7 |  | 5.00 |
INB | 77.6 |  | 9.81 |  |  | 31.7 |  | 4.000 |  |  | 31.7 |  | 4.00 |  |  | 39.6 |  | 5.00 |
| Actual |  | Adequately Capitalized Basel III Phase-In Schedule |  | Adequately Capitalized Basel III Fully Phased-In |  | Well Capitalized (1)
December 31, 2017 | Amount | Ratio |  | Amount | Ratio |  | Amount | Ratio |  | Amount | Ratio
Total risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | $ | 1,112.5 |  | 12.76 | % |  | $ | 806.5 |  | 9.25 | % |  | $ | 915.5 |  | 10.50 | % |  | $ | 871.9 |  | 10.00 | %
FIB | 1,066.6 |  | 12.29 |  |  | 802.7 |  | 9.25 |  |  | 911.2 |  | 10.50 |  |  | 867.8 |  | 10.00 |
Tier 1 risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 1,040.3 |  | 11.93 |  |  | 632.1 |  | 7.25 |  |  | 741.1 |  | 8.50 |  |  | 697.5 |  | 8.00 |
FIB | 994.4 |  | 11.46 |  |  | 629.1 |  | 7.25 |  |  | 737.6 |  | 8.50 |  |  | 694.2 |  | 8.00 |
Common equity tier 1 risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 962.4 |  | 11.04 |  |  | 501.3 |  | 5.75 |  |  | 610.3 |  | 7.00 |  |  | 566.7 |  | 6.50 |
FIB | 994.4 |  | 11.46 |  |  | 499.0 |  | 5.75 |  |  | 607.4 |  | 7.00 |  |  | 564.1 |  | 6.50 |
Leverage capital ratio: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 1,040.3 |  | 8.86 |  |  | 469.9 |  | 4.00 |  |  | 469.9 |  | 4.00 |  |  | 587.4 |  | 5.00 |
FIB | 994.4 |  | 8.48 |  |  | 469.1 |  | 4.00 |  |  | 469.1 |  | 4.00 |  |  | 586.3 |  | 5.00 |
(1) The ratios for the requirements to be deemed “well capitalized” are only applicable to FIB and INB. However, the Company manages its capital position as if the requirements apply to the consolidated entity and has presented the ratios as if they also applied on a consolidated basis.

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- Definition The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time. + 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=84167132&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=84167132&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=84167132&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=84167132&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=84167132&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=84167132&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=84167132&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=84167132&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=84167132&loc=d3e65071-112826 + Details
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