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Regulatory Matters (Tables) | 12 Months Ended
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Dec. 31, 2017
Banking and Thrift [Abstract] |
Schedule of Capital Adequacy Ratios | The Bancorp’s and Bank's capital adequacy ratios as of December 31, 2017 and 2016 are presented in the following tables. Bancorp's Tier 1 capital includes the subordinated debentures, which are not included at the Bank level. We continued to build capital in 2017 through stock issued in the Bank of Napa acquisition and the accumulation of net income.
Capital Ratios for Bancorp (dollars in thousands) | Actual Ratio |  | Adequately Capitalized Threshold 1 |  | Ratio to be a Well Capitalized Bank Holding Company
December 31, 2017 | Amount |  | Ratio |  |  | Amount |  | Ratio |  |  | Amount |  | Ratio |
Total Capital (to risk-weighted assets) | $ | 287,435 |  | 14.91 | % |  | ≥ $ | 178,323 |  | ≥ 9.250 | % |  | ≥ $ | 192,782 |  | ≥ 10.000 | %
Tier 1 Capital (to risk-weighted assets) | $ | 270,710 |  | 14.04 | % |  | ≥ $ | 139,767 |  | ≥ 7.250 | % |  | ≥ $ | 154,225 |  | ≥ 8.000 | %
Tier 1 Capital (to average assets) | $ | 270,710 |  | 12.13 | % |  | ≥ $ | 89,285 |  | ≥ 4.000 | % |  | ≥ $ | 111,607 |  | ≥ 5.000 | %
Common Equity Tier 1 (to risk-weighted assets) | $ | 265,119 |  | 13.75 | % |  | ≥ $ | 110,849 |  | ≥ 5.750 | % |  | ≥ $ | 125,308 |  | ≥ 6.500 | %
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to risk-weighted assets) | $ | 247,453 |  | 14.32 | % |  | ≥ $ | 149,039 |  | ≥ 8.625 | % |  | ≥ $ | 172,799 |  | ≥ 10.000 | %
Tier 1 Capital (to risk-weighted assets) | $ | 231,111 |  | 13.37 | % |  | ≥ $ | 114,479 |  | ≥ 6.625 | % |  | ≥ $ | 138,239 |  | ≥ 8.000 | %
Tier 1 Capital (to average assets) | $ | 231,111 |  | 11.39 | % |  | ≥ $ | 81,189 |  | ≥ 4.000 | % |  | ≥ $ | 101,486 |  | ≥ 5.000 | %
Common Equity Tier 1 (to risk-weighted assets) | $ | 225,925 |  | 13.07 | % |  | ≥ $ | 88,559 |  | ≥ 5.125 | % |  | ≥ $ | 112,319 |  | ≥ 6.500 | %
1 The 2017 and 2016 adequately capitalized thresholds include the capital conservation buffer that was effective January 1, 2016 and January 1, 2017, respectively. These ratios are not reflected on a fully phased-in basis.
Capital Ratios for the Bank (dollars in thousands) | Actual Ratio |  | Adequately Capitalized Threshold 1 |  | Ratio to be Well Capitalized under Prompt Corrective Action Provisions
December 31, 2017 | Amount |  | Ratio |  |  | Amount |  | Ratio |  |  | Amount |  | Ratio |
Total Capital (to risk-weighted assets) | $ | 283,885 |  | 14.73 | % |  | ≥ $ | 178,281 |  | ≥ 9.250 | % |  | ≥ $ | 192,737 |  | ≥ 10.000 | %
Tier 1 Capital (to risk-weighted assets) | $ | 267,160 |  | 13.86 | % |  | ≥ $ | 139,734 |  | ≥ 7.250 | % |  | ≥ $ | 154,189 |  | ≥ 8.000 | %
Tier 1 Capital (to average assets) | $ | 267,160 |  | 11.97 | % |  | ≥ $ | 89,275 |  | ≥ 4.000 | % |  | ≥ $ | 111,593 |  | ≥ 5.000 | %
Common Equity Tier 1 (to risk-weighted assets) | $ | 267,160 |  | 13.86 | % |  | ≥ $ | 110,824 |  | ≥ 5.750 | % |  | ≥ $ | 125,279 |  | ≥ 6.500 | %
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to risk-weighted assets) | $ | 243,468 |  | 14.09 | % |  | ≥ $ | 149,016 |  | ≥ 8.625 | % |  | ≥ $ | 172,772 |  | ≥ 10.000 | %
Tier 1 Capital (to risk-weighted assets) | $ | 222,127 |  | 13.15 | % |  | ≥ $ | 114,462 |  | ≥ 6.625 | % |  | ≥ $ | 138,218 |  | ≥ 8.000 | %
Tier 1 Capital (to average assets) | $ | 222,127 |  | 11.19 | % |  | ≥ $ | 81,176 |  | ≥ 4.000 | % |  | ≥ $ | 101,469 |  | ≥ 5.000 | %
Common Equity Tier 1 (to risk-weighted assets) | $ | 222,127 |  | 13.15 | % |  | ≥ $ | 88,546 |  | ≥ 5.125 | % |  | ≥ $ | 112,302 |  | ≥ 6.500 | %
1 The 2017 and 2016 adequately capitalized thresholds include the capital conservation buffer that was effective January 1, 2016 and January 1, 2017, respectively. These ratios are not reflected on a fully phased-in basis.

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