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Regulatory Matters | 12 Months Ended
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Dec. 31, 2018 | Dec. 31, 2017
Regulatory Matters [Abstract] |  |
Regulatory Matters | NOTE 22 – Regulatory Matters At both the Company and Bank level, we are subject to various regulatory capital requirements administered by the federal banking agencies. The capital rules require banks and bank holding companies to maintain a minimum total risked-based capital ratio of at least 8%, a total Tier 1 capital ratio of at least 6%, a minimum common equity Tier 1 capital ratio of at least 4.5%, and a leverage ratio of at least 4%. Bank holding companies and banks are also required to hold a capital conservation buffer of common equity Tier 1 capital of 2.5% to avoid limitations on capital distributions and discretionary executive compensation payments. The capital conservation buffer will be phased in incrementally over time, becoming fully effective on January 1, 2019, and will consist of an additional amount of common equity equal to 2.5% of risk-weighted assets. To be considered “well-capitalized” for purposes of certain rules and prompt corrective action requirements, the Bank must maintain a minimum total risked-based capital ratio of at least 10%, a total Tier 1 capital ratio of at least 8%, a common equity Tier 1 capital ratio of at least 6.5%, and a leverage ratio of at least 5%. As of December 31, 2018, our capital ratios exceed these ratios and we remain “well capitalized.” The following table summarizes the capital amounts and ratios of the Bank and the Company and the regulatory minimum requirements at December 31, 2018 and 2017.
|  |  |  |  |  |  |  |  |  |  |  | To be well
|  |  |  |  |  |  |  |  |  |  |  | capitalized
|  |  |  |  |  |  | For capital |  | under prompt
|  |  |  |  |  |  | adequacy purposes |  | corrective action
|  |  |  |  | Actual |  | minimum |  | provisions minimum
(dollars in thousands) |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
As of December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
The Bank |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to risk weighted assets) |  | $ | 198,195 |  | 12.16% |  | $ | 130,368 |  | 8.00% |  | $ | 162,960 |  | 10.00%
Tier 1 Capital (to risk weighted assets) |  |  | 182,433 |  | 11.20% |  |  | 97,776 |  | 6.00% |  |  | 130,368 |  | 8.00%
Common Equity Tier 1 Capital (to risk weighted assets) |  |  | 182,433 |  | 11.20% |  |  | 73,332 |  | 4.50% |  |  | 105,924 |  | 6.50%
Tier 1 Capital (to average assets) |  |  | 182,433 |  | 9.84% |  |  | 74,126 |  | 4.00% |  |  | 92,658 |  | 5.00%
The Company |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to risk weighted assets) |  |  | 203,595 |  | 12.49% |  |  | 130,368 |  | 8.00% |  |  | n/a |  | n/a
Tier 1 Capital (to risk weighted assets) |  |  | 187,833 |  | 11.53% |  |  | 97,776 |  | 6.00% |  |  | n/a |  | n/a
Common Equity Tier 1 Capital (to risk weighted assets) |  |  | 174,833 |  | 10.73% |  |  | 73,332 |  | 4.50% |  |  | n/a |  | n/a
Tier 1 Capital (to average assets) |  |  | 187,833 |  | 10.14% |  |  | 74,126 |  | 4.00% |  |  | n/a |  | n/a
|  |  |  |  |  |  |  |  |  |  |  | To be well
|  |  |  |  |  |  |  |  |  |  |  | capitalized
|  |  |  |  |  |  | For capital |  | under prompt
|  |  |  |  |  |  | adequacy purposes |  | corrective action
|  |  |  |  | Actual |  | minimum |  | provisions minimum
(dollars in thousands) |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
As of December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
The Bank |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to risk weighted assets) |  | $ | 175,016 |  | 12.99% |  | $ | 107,749 |  | 8.00% |  | $ | 134,686 |  | 10.00%
Tier 1 Capital (to risk weighted assets) |  |  | 159,493 |  | 11.84% |  |  | 80,812 |  | 6.00% |  |  | 107,749 |  | 8.00%
Common Equity Tier 1 Capital (to risk weighted assets) |  |  | 159,493 |  | 11.84% |  |  | 60,609 |  | 4.50% |  |  | 87,546 |  | 6.50%
Tier 1 Capital (to average assets) |  |  | 159,493 |  | 10.04% |  |  | 63,573 |  | 4.00% |  |  | 79,466 |  | 5.00%
The Company |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to risk weighted assets) |  |  | 178,665 |  | 13.27% |  |  | 107,749 |  | 8.00% |  |  | n/a |  | n/a
Tier 1 Capital (to risk weighted assets) |  |  | 163,142 |  | 12.11% |  |  | 80,812 |  | 6.00% |  |  | n/a |  | n/a
Common Equity Tier 1 Capital (to risk weighted assets) |  |  | 150,142 |  | 11.15% |  |  | 60,609 |  | 4.50% |  |  | n/a |  | n/a
Tier 1 Capital (to average assets) |  |  | 163,142 |  | 10.26% |  |  | 63,573 |  | 4.00% |  |  | n/a |  | n/a
| NOTE 22 – Regulatory Matters At both the Company and Bank level, we are subject to various regulatory capital requirements administered by the federal banking agencies. The capital rules require banks and bank holding companies to maintain a minimum total risked-based capital ratio of at least 8%, a total Tier 1 capital ratio of at least 6%, a minimum common equity Tier 1 capital ratio of at least 4.5%, and a leverage ratio of at least 4%. Bank holding companies and banks are also required to hold a capital conservation buffer of common equity Tier 1 capital of 2.5% to avoid limitations on capital distributions and discretionary executive compensation payments. The capital conservation buffer will be phased in incrementally over time, becoming fully effective on January 1, 2019, and will consist of an additional amount of common equity equal to 2.5% of risk-weighted assets. To be considered “well-capitalized” for purposes of certain rules and prompt corrective action requirements, the Bank must maintain a minimum total risked-based capital ratio of at least 10%, a total Tier 1 capital ratio of at least 8%, a common equity Tier 1 capital ratio of at least 6.5%, and a leverage ratio of at least 5%. As of December 31, 2018, our capital ratios exceed these ratios and we remain “well capitalized.” The following table summarizes the capital amounts and ratios of the Bank and the Company and the regulatory minimum requirements at December 31, 2018 and 2017.
|  |  |  |  |  |  |  |  |  |  |  | To be well
|  |  |  |  |  |  |  |  |  |  |  | capitalized
|  |  |  |  |  |  | For capital |  | under prompt
|  |  |  |  |  |  | adequacy purposes |  | corrective action
|  |  |  |  | Actual |  | minimum |  | provisions minimum
(dollars in thousands) |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
As of December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
The Bank |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to risk weighted assets) |  | $ | 198,195 |  | 12.16% |  | $ | 130,368 |  | 8.00% |  | $ | 162,960 |  | 10.00%
Tier 1 Capital (to risk weighted assets) |  |  | 182,433 |  | 11.20% |  |  | 97,776 |  | 6.00% |  |  | 130,368 |  | 8.00%
Common Equity Tier 1 Capital (to risk weighted assets) |  |  | 182,433 |  | 11.20% |  |  | 73,332 |  | 4.50% |  |  | 105,924 |  | 6.50%
Tier 1 Capital (to average assets) |  |  | 182,433 |  | 9.84% |  |  | 74,126 |  | 4.00% |  |  | 92,658 |  | 5.00%
The Company |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to risk weighted assets) |  |  | 203,595 |  | 12.49% |  |  | 130,368 |  | 8.00% |  |  | n/a |  | n/a
Tier 1 Capital (to risk weighted assets) |  |  | 187,833 |  | 11.53% |  |  | 97,776 |  | 6.00% |  |  | n/a |  | n/a
Common Equity Tier 1 Capital (to risk weighted assets) |  |  | 174,833 |  | 10.73% |  |  | 73,332 |  | 4.50% |  |  | n/a |  | n/a
Tier 1 Capital (to average assets) |  |  | 187,833 |  | 10.14% |  |  | 74,126 |  | 4.00% |  |  | n/a |  | n/a
|  |  |  |  |  |  |  |  |  |  |  | To be well
|  |  |  |  |  |  |  |  |  |  |  | capitalized
|  |  |  |  |  |  | For capital |  | under prompt
|  |  |  |  |  |  | adequacy purposes |  | corrective action
|  |  |  |  | Actual |  | minimum |  | provisions minimum
(dollars in thousands) |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
As of December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
The Bank |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to risk weighted assets) |  | $ | 175,016 |  | 12.99% |  | $ | 107,749 |  | 8.00% |  | $ | 134,686 |  | 10.00%
Tier 1 Capital (to risk weighted assets) |  |  | 159,493 |  | 11.84% |  |  | 80,812 |  | 6.00% |  |  | 107,749 |  | 8.00%
Common Equity Tier 1 Capital (to risk weighted assets) |  |  | 159,493 |  | 11.84% |  |  | 60,609 |  | 4.50% |  |  | 87,546 |  | 6.50%
Tier 1 Capital (to average assets) |  |  | 159,493 |  | 10.04% |  |  | 63,573 |  | 4.00% |  |  | 79,466 |  | 5.00%
The Company |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to risk weighted assets) |  |  | 178,665 |  | 13.27% |  |  | 107,749 |  | 8.00% |  |  | n/a |  | n/a
Tier 1 Capital (to risk weighted assets) |  |  | 163,142 |  | 12.11% |  |  | 80,812 |  | 6.00% |  |  | n/a |  | n/a
Common Equity Tier 1 Capital (to risk weighted assets) |  |  | 150,142 |  | 11.15% |  |  | 60,609 |  | 4.50% |  |  | n/a |  | n/a
Tier 1 Capital (to average assets) |  |  | 163,142 |  | 10.26% |  |  | 63,573 |  | 4.00% |  |  | n/a |  | n/a

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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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