| Summary of Actual and Required Capital Amounts and Ratios |
As of December 31, 2016, the Company was categorized as well capitalized under the regulatory framework. To be categorized as well capitalized, an institution must maintain minimum total risk-based capital, Tier 1 risk-based capital, and Tier 1 to average assets (“Tier 1 Leverage”) ratios as disclosed in the table below.
The Company’s actual and required capital amounts and ratios are as follows:
|
|
|
December 31, 2016 |
|
|
|
|
|
|
|
|
|
|
|
|
Minimum Capital |
|
|
Well Capitalized |
|
|
|
|
Actual |
|
|
Requirement |
|
|
Requirement |
|
|
(Dollars in thousands) |
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Total Risk-Based Capital to Risk-Weighted Assets |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
244,655 |
|
|
|
20.19 |
% |
|
$ |
96,923 |
|
|
|
8.00 |
% |
|
$ |
121,154 |
|
|
|
10.00 |
% |
|
People's Intermountain Bank |
|
|
208,526 |
|
|
|
17.32 |
% |
|
|
96,309 |
|
|
|
8.00 |
% |
|
|
120,386 |
|
|
|
10.00 |
% |
|
Tier 1 Capital to Risk-Weighted Assets |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
229,312 |
|
|
|
18.93 |
% |
|
|
72,692 |
|
|
|
6.00 |
% |
|
|
96,923 |
|
|
|
8.00 |
% |
|
People's Intermountain Bank |
|
|
193,277 |
|
|
|
16.05 |
% |
|
|
72,232 |
|
|
|
6.00 |
% |
|
|
96,309 |
|
|
|
8.00 |
% |
|
Tier 1 Leverage |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
229,312 |
|
|
|
13.71 |
% |
|
|
66,902 |
|
|
|
4.00 |
% |
|
NA |
|
|
NA |
|
|
People's Intermountain Bank |
|
|
193,277 |
|
|
|
11.81 |
% |
|
|
65,453 |
|
|
|
4.00 |
% |
|
|
81,816 |
|
|
|
5.00 |
% |
|
|
|
December 31, 2015 |
|
|
|
|
|
|
|
|
|
|
|
|
Minimum Capital |
|
|
Well Capitalized |
|
|
|
|
Actual |
|
|
Requirement |
|
|
Requirement |
|
|
(Dollars in thousands) |
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Total Risk-Based Capital to Risk-Weighted Assets |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
224,510 |
|
|
|
19.02 |
% |
|
$ |
94,412 |
|
|
|
8.00 |
% |
|
$ |
118,015 |
|
|
|
10.00 |
% |
|
People's Intermountain Bank |
|
|
187,326 |
|
|
|
15.98 |
% |
|
|
93,796 |
|
|
|
8.00 |
% |
|
|
117,245 |
|
|
|
10.00 |
% |
|
Tier 1 Capital to Risk-Weighted Assets |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
209,569 |
|
|
|
17.76 |
% |
|
|
70,809 |
|
|
|
6.00 |
% |
|
|
94,412 |
|
|
|
8.00 |
% |
|
People's Intermountain Bank |
|
|
172,480 |
|
|
|
14.71 |
% |
|
|
70,347 |
|
|
|
6.00 |
% |
|
|
93,796 |
|
|
|
8.00 |
% |
|
Tier 1 Leverage |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
209,569 |
|
|
|
13.42 |
% |
|
|
62,457 |
|
|
|
4.00 |
% |
|
NA |
|
|
NA |
|
|
People's Intermountain Bank |
|
|
172,480 |
|
|
|
11.31 |
% |
|
|
61,018 |
|
|
|
4.00 |
% |
|
$ |
76,273 |
|
|
|
5.00 |
% |
|