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Regulatory Capital Requirements and Other Regulatory Matters (Tables)
 12 Months Ended
Dec. 31, 2014
Regulatory Capital Requirements and Other Regulatory Matters  
Schedule of Company's and Bank's actual capital amounts and ratios

 

The Company’s and Bank’s actual capital amounts and ratios for the periods presented are set forth in the table below:

 

 

 

Actual

 

Minimum Required for
Capital Adequacy Purposes

 

Required to be Well
Capitalized Under Prompt
Corrective Action
Regulations

 

 

 

Amount

 

Ratio

 

Amount

 

Ratio

 

Amount

 

Ratio

 

 

 

(dollars in thousands)

 

At December 31, 2014

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 Capital (to adjusted tangible assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Bank

 

$
221,523 

 
11.29 

%

$
78,466 

 
4.00 

%

$
98,083 

 
5.00 

%

Consolidated

 
179,881 

 
9.18 

%
78,401 

 
4.00 

%

N/A

 

N/A

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 Risk-Based Capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Bank

 
221,523 

 
12.72 

%
69,650 

 
4.00 

%
104,475 

 
6.00 

%

Consolidated

 
179,881 

 
10.30 

%
69,855 

 
4.00 

%

N/A

 

N/A

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Bank

 
234,120 

 
13.45 

%
139,300 

 
8.00 

%
174,126 

 
10.00 

%

Consolidated

 
252,477 

 
14.46 

%
139,709 

 
8.00 

%

N/A

 

N/A

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At December 31, 2013

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 Capital (to adjusted tangible assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Bank

 

$
160,473 

 
10.03 

%

$
64,025 

 
4.00 

%

$
80,031 

 
5.00 

%

Consolidated

 
163,105 

 
10.29 

%
63,431 

 
4.00 

%

N/A

 

N/A

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 Risk-Based Capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Bank

 
160,473 

 
12.34 

%
52,021 

 
4.00 

%
78,031 

 
6.00 

%

Consolidated

 
163,105 

 
12.54 

%
52,046 

 
4.00 

%

N/A

 

N/A

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Bank

 
168,673 

 
12.97 

%
104,042 

 
8.00 

%
130,052 

 
10.00 

%

Consolidated

 
171,305 

 
13.17 

%
104,092 

 
8.00 

%

N/A

 

N/A