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Regulatory Matters | 12 Months Ended
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Sep. 30, 2017
Regulatory Capital Requirements [Abstract] |
Regulatory Matters | Regulatory Matters The Bank, as a state-chartered, federally insured savings bank, is subject to the capital requirements established by the FDIC. Under the FDIC's capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank's assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank's capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weighting and other factors. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by bank regulators that, if undertaken, could have a direct material effect on the Company's consolidated financial statements. The minimum requirements are a common equity Tier 1 ("CET1") capital ratio of 4.5%, a Tier 1 capital ratio of 6.0%, a total capital ratio of 8.0% and a leverage ratio of 4.0%. In addition to the minimum regulatory capital ratios, the Bank must maintain a capital conservation buffer consisting of additional CET1 capital above the required minimum levels in order to avoid limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses based on percentages of eligible retained income that could be utilized for such actions. This capital conservation buffer requirement was phased in beginning in January 2016 at 0.625% of risk-weighted assets and will increase each year to an amount equal to 2.5% of risk-weighted assets when fully implemented in January 2019. At September 30, 2017, the conservation buffer was 1.25%. At September 30, 2017 and 2016 the Bank exceeded all regulatory capital requirements. The Bank was categorized as "well capitalized" at September 30, 2017 and 2016 under the regulations of the FDIC. The following tables compare the Bank’s actual capital amounts at September 30, 2017 and 2016 to its minimum regulatory capital requirements and "Well Capitalized" regulatory capital at those dates (dollars in thousands):
September 30, 2017 | Actual |  | Regulatory Minimum To Be "Adequately Capitalized" |  | Regulatory MinimumTo Be "Well Capitalized" Under Prompt Corrective Action Provisions
| Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
Leverage Capital Ratio: |  |  |  |  |  |  |  |  |  |  |
Tier 1 capital | $ | 104,102 |  |  | 11.2 | % |  | $ | 37,116 |  |  | 4.0 | % |  | $ | 46,395 |  |  | 5.0 | %
Risk-based Capital Ratios: |  |  |  |  |  |  |  |  |  |  |
Common equity Tier 1 capital | 104,102 |  |  | 15.9 |  |  | 29,547 |  |  | 4.5 |  |  | 42,678 |  |  | 6.5 |
Tier 1 capital | 104,102 |  |  | 15.9 |  |  | 39,395 |  |  | 6.0 |  |  | 52,527 |  |  | 8.0 |
Total capital | 112,329 |  |  | 17.1 |  |  | 52,527 |  |  | 8.0 |  |  | 65,659 |  |  | 10.0 |
September 30, 2016 | Actual |  | Regulatory Minimum To Be "Adequately Capitalized" |  | Regulatory Minimum To Be "Well Capitalized" Under Prompt Corrective Action Provisions
| Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
Leverage Capital Ratio: |  |  |  |  |  |  |  |  |  |  |
Tier 1 capital | $ | 90,266 |  |  | 10.3 | % |  | $ | 35,183 |  |  | 4.0 | % |  | $ | 43,979 |  |  | 5.0 | %
Risk-based Capital Ratios: |  |  |  |  |  |  |  |  |  |  |
Common equity Tier 1 capital | 90,266 |  |  | 14.3 |  |  | 28,318 |  |  | 4.5 |  |  | 40,904 |  |  | 6.5 |
Tier 1 capital | 90,266 |  |  | 14.3 |  |  | 37,758 |  |  | 6.0 |  |  | 50,344 |  |  | 8.0 |
Total capital | 98,158 |  |  | 15.6 |  |  | 50,344 |  |  | 8.0 |  |  | 62,930 |  |  | 10.0 |
Timberland Bancorp is a bank holding company registered with the Federal Reserve. Bank holding companies are subject to capital adequacy requirements of the Federal Reserve under the Bank Holding Company Act of 1956, as amended, and the regulations of the Federal Reserve. For a bank holding company with less than $1.0 billion in assets, the capital guidelines apply on a bank only basis, and the Federal Reserve expects the holding company's subsidiary bank to be well capitalized under the prompt corrective action regulations. If Timberland Bancorp were subject to regulatory guidelines for bank holding companies with $1.0 billion or more in assets at September 30, 2017, Timberland Bancorp would have exceeded all regulatory requirements. The following table presents the regulatory capital ratios for Timberland Bancorp at September 30, 2017 and 2016 (dollars in thousands):
| 2017 |  | 2016
| Actual |  | Actual
| Amount |  | Ratio |  | Amount |  | Ratio
Leverage Capital Ratio: |  |  |  |  |  |  |
Tier 1 capital | $ | 107,145 |  |  | 11.5 | % |  | $ | 92,860 |  |  | 10.5 | %
Risk-based Capital Ratios: |  |  |  |  |  |  |
Common equity Tier 1 capital | 107,145 |  |  | 16.3 |  |  | 92,860 |  |  | 14.8 |
Tier 1 capital | 107,145 |  |  | 16.3 |  |  | 92,860 |  |  | 14.8 |
Total capital | 115,376 |  |  | 17.6 |  |  | 100,755 |  |  | 16.0 |

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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=84167132&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=84167132&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=84167132&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=84167132&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=84167132&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=84167132&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=84167132&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=84167132&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=84167132&loc=SL5958573-112826 + Details
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