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REGULATORY MATTERS | 12 Months Ended
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Dec. 31, 2016
Banking and Thrift [Abstract] |
REGULATORY MATTERS | Note 14 REGULATORY MATTERS Regulatory Capital Requirements. The Company (on a consolidated basis) and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional d iscretionary actions by regulators that, if undertaken, could have a direct material effect on the Company and Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Ba nk must meet specific capital guidelines that involve quantitative measures of their assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qu alitative judgments by the regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies. The final rules implementing Basel Committee on Banking Supervision’s capital gu idelines for U.S. banks (Basel III rules) became effective for the Company on January 1, 2015 (subject to a phase-in period for certain provisions). Quantitative measures established by regulation to ensure capital adequacy require the Company and the Ban k to maintain minimum amounts and ratios (set forth in the following table) of common equity tier 1, total capital (as defined in the regulations) to risk-weighted assets (as defined) and of tier 1 capital (as defined) to average assets (as defined). Unde r the Basel III rules, the Company must hold a capital conservation buffer above the well capitalized risk-based capital ratios. The capital conservation buffer is being phased in as follows: 0.625% in 2016, 1.25% in 2017, 1.875% in 2018, and 2.50% in 201 9. Management believes, as of December 31, 2016 and 2015, that the Company and the Bank meet all capital adequacy requirements to which they are subject. As of December 31, 2016, the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum common equity tier 1, total risk-based, tier 1 risk based and tier 1 leverag e ratios as set forth in the following tables. There are not conditions or events since the notification that management believes have changed the Bank’s category. The Company and Bank’s actual capital amounts and ratios as of December 31, 2016 and 2015 are also presented in the table.
|  |  |  |  |  |  |  |  |  |  |  | To Be Well-
|  |  |  |  |  |  |  |  |  |  |  | Capitalized Under
|  |  |  |  |  |  | Required |  | Prompt
|  |  |  |  |  |  | For Capital |  | Corrective
|  | Actual |  | Adequacy Purposes |  | Action Provisions
(Dollars in Thousands) |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CCBG |  | $ | 220,211 |  | 12.61% |  | $ | 78,587 |  | 4.50% |  |  | * |  | *
CCB |  |  | 268,811 |  | 15.44% |  |  | 78,356 |  | 4.50% |  | $ | 113,182 |  | 6.50%
Tier 1 Capital: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CCBG |  |  | 270,801 |  | 15.51% |  |  | 104,783 |  | 6.00% |  |  | * |  | *
CCB |  |  | 268,811 |  | 15.44% |  |  | 104,475 |  | 6.00% |  |  | 139,300 |  | 8.00%
Total Capital: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CCBG |  |  | 284,232 |  | 16.28% |  |  | 139,710 |  | 8.00% |  |  | * |  | *
CCB |  |  | 282,242 |  | 16.21% |  |  | 139,300 |  | 8.00% |  |  | 174,126 |  | 10.00%
Tier 1 Leverage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CCBG |  |  | 270,801 |  | 10.23% |  |  | 105,909 |  | 4.00% |  |  | * |  | *
CCB |  |  | 268,811 |  | 10.18% |  |  | 105,652 |  | 4.00% |  |  | 132,066 |  | 5.00%
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CCBG |  | $ | 215,075 |  | 12.84% |  | $ | 75,385 |  | 4.50% |  |  | * |  | *
CCB |  |  | 266,138 |  | 15.93% |  |  | 75,162 |  | 4.50% |  | $ | 108,567 |  | 6.50%
Tier 1 Capital: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CCBG |  |  | 275,075 |  | 16.42% |  |  | 100,513 |  | 6.00% |  |  | * |  | *
CCB |  |  | 266,138 |  | 15.93% |  |  | 100,216 |  | 6.00% |  |  | 133,621 |  | 8.00%
Total Capital: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CCBG |  |  | 289,028 |  | 17.25% |  |  | 134,018 |  | 8.00% |  |  | * |  | *
CCB |  |  | 280,901 |  | 16.77% |  |  | 133,621 |  | 8.00% |  |  | 167,026 |  | 10.00%
Tier 1 Leverage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CCBG |  |  | 275,075 |  | 10.65% |  |  | 103,342 |  | 4.00% |  |  | * |  | *
CCB |  |  | 266,138 |  | 10.33% |  |  | 103,095 |  | 4.00% |  |  | 128,869 |  | 5.00%
* Not applicable to bank holding companies. |  |  |  |  |  |  |  |  |  |  |  |
Dividend Restrictions. In the ordinary course of business, the Company is dependent upon dividends from its banking subsidiary to provide funds for the payment of dividends to shareowners and to provide for other cash requirements. Banking regulations may limit the amount of dividends that may be paid. Approval by regulatory authorities is required if the effect of dividends declared would cause the regulatory capital of the Company’s banking subsidiary to fall below specified minimum levels. Approval is also required if div idends declared exceed the net profits of the banking subsidiary for that year combined with the retained net profits for proceeding two years. In 2017, the bank subsidiary may declare dividends without regulatory approval of $0.2 million plus an addition al amount equal to net profits of the Company’s subsidiary bank for 2017 up to the date of any such dividend declaration.

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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://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1G -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958577-112826 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1C -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958572-112826 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1E -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958574-112826 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1H -URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1A -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958569-112826 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1B -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1F -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958575-112826 Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826 Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1D -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958573-112826 + Details
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