XML 67 R50.htm IDEA: XBRL DOCUMENT

Regulations and Supervision (Tables)

12 Months Ended

Dec. 31, 2020

Equity [Abstract]

Schedule of capital amounts and ratios

Actual capital amounts and ratios of the Company and its subsidiary banks are as follows:

Actual

Minimum Capital Required- Basel III Fully-Phased-In

Required
to be Considered
Well Capitalized

(dollar amounts in thousands)

Amount/Ratio

Amount/Ratio

Amount/Ratio

December 31, 2020

Total Capital (to risk-weighted assets)

The Company (consolidated)

$720,755 /14.4%

$525,755/>10.5%

$500,719/>10.0%

Trust Company

$210,756/14.7%

$150,482/>10.5%

$143,316/>10.0%

Castile

$157,514/12.6%

$131,034/>10.5%

$124,795/>10.0%

Mahopac

$133,969/13.0%

$108,129/>10.5%

$102,980/>10.0%

VIST

$175,931/13.7%

$134,615/>10.5%

$128,205/>10.0%

Common Equity Tier 1 Capital (to risk-weighted assets)

The Company (consolidated)

$654,144/13.1%

$350,503/>7.0%

$325,467/>6.5%

Trust Company

$196,522/13.7%

$100,321/>7.0%

$93,156/>6.5%

Castile

$144,448/11.6%

$87,356/>7.0%

$81,117/>6.5%

Mahopac

$122,393/11.9%

$72,086/>7.0%

$66,937/>6.5%

VIST

$163,895/12.8%

$89,743/>7.0%

$83,333/>6.5%

Tier 1 Capital (to risk-weighted assets)

The Company (consolidated)

$667,364/13.3%

$425,611/>8.5%

$400,575/>8.0%

Trust Company

$196,522/13.7%

$121,819/>8.5%

$114,653/>8.0%

Castile

$144,448/11.6%

$106,076/>8.5%

$99,836/>8.0%

Mahopac

$122,393/11.9%

$87,533/>8.5%

$82,384/>8.0%

VIST

$163,895/12.8%

$108,794/>8.5%

$102,564/>8.0%

Tier 1 Capital (to average assets)

The Company (consolidated)

$667,364/8.8%

$305,083/>4.0%

$381,354/>5.0%

Trust Company

$196,522/8.2%

$95,691/>4.0%

$119,614/>5.0%

Castile

$144,448/8.1%

$71,605/>4.0%

$89,507/>5.0%

Mahopac

$122,393/8.2%

$59,742/>4.0%

$74,678/>5.0%

VIST

$163,895/8.4%

$77,874/>4.0%

$83,333/>5.0%

December 31, 2019

Total Capital (to risk-weighted assets)

The Company (consolidated)

$666,106 /13.5%

$517,039/>10.5%

$492,418/>10.0%

Trust Company

$197,660/14.1%

$147,405/>10.5%

$140,386/>10.0%

Castile

$145,669/12.2%

$125,493/>10.5%

$119,517/>10.0%

Mahopac

$128,238/13.0%

$103,800/>10.5%

$98,857/>10.0%

VIST

$161,559/12.2%

$139,235/>10.5%

$132,605/>10.0%

Common Equity Tier 1 Capital (to risk-weighted assets)

The Company (consolidated)

$607,290/12.3%

$344,692/>7.0%

$320,072/>6.5%

Trust Company

$185,499/13.2%

$98,270/>7.0%

$91,251/>6.5%

Castile

$136,342/11.4%

$83,662/>7.0%

$77,686/>6.5%

Mahopac

$116,953/11.8%

$69,200/>7.0%

$64,257/>6.5%

VIST

$152,550/11.5%

$92,823/>7.0%

$86,193/>6.5%

Tier 1 Capital (to risk-weighted assets)

The Company (consolidated)

$624,325/12.7%

$418,555/>8.5%

$393,934/>8.0%

Trust Company

$185,499/13.2%

$119,328/>8.5%

$112,309/>8.0%

Castile

$136,342/11.4%

$101,589/>8.5%

$95,614/>8.0%

Mahopac

$116,953/11.8%

$84,029/>8.5%

$79,086/>8.0%

VIST

$152,550/11.5%

$112,714/>8.5%

$106,084/>8.0%

Tier 1 Capital (to average assets)

The Company (consolidated)

$624,325/9.6%

$259,903/>4.0%

$324,879/>5.0%

Trust Company

$185,499/9.2%

$81,001/>4.0%

$101,252/>5.0%

Castile

$136,342/9.2%

$59,239/>4.0%

$74,049/>5.0%

Mahopac

$116,953/8.9%

$52,469/>4.0%

$65,586/>5.0%

VIST

$152,550/8.7%

$70,228/>4.0%

$87,785/>5.0%