Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2017

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.