Note 21 - Regulatory Capital Requirements

3 Months Ended

Mar. 31, 2015

Disclosure Text Block [Abstract]

Regulatory Capital Requirements under Banking Regulations [Text Block]

21.     Regulatory Capital Requirements

In July 2013, federal bank regulatory agencies issued final rules to revise their risk-based capital requirements and the method for calculating risk-weighted assets to make them consistent with agreements that were reached by the Basel Committee on Banking Supervision and certain provisions of the Dodd-Frank Act (“Basel III”). On January 1, 2015, the Basel III rules became effective and include transition provisions which implement certain portions of the rules through January 1, 2019.

The following table summarizes capital ratios and related information in accordance with Basel III as measured at March 31, 2015 and pre-existing rules at December 31, 2014. For disclosure regarding changes resulting from Basel III see Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations, Financial Condition, Capital, Basel III. The Bank was classified in the well-capitalized category at both March 31, 2015 and December 31, 2014 under the regulatory capital rules in effect at each date. Since March 31, 2015, no conditions or events have occurred, of which the Company is aware, that have resulted in a material change in the Bank's regulatory risk category other than as reported in this Quarterly Report on Form 10-Q.

	March 31, 2015
	Ratio			Amount		"Adequately-capitalized" minimum			"Well-capitalized" minimum
Common equity Tier 1 capital
Company		14.37	%	$	134,204		4.5	%		6.5	%
Bank		14.36			134,045		4.5			6.5
Tier 1 risk-based capital
Company		14.37			134,204		6.0			8.0
Bank		14.36			134,045		6.0			8.0
Total risk-based capital
Company		15.63			145,972		8.0			10.0
Bank		15.62			145,810		8.0			10.0
Tier 1 leverage
Company		11.86			134,204		4.0			5.0
Bank		11.84			134,045		4.0			5.0
Risk-weighted assets
Company	n/a				933,659	n/a			n/a
Bank	n/a				933,594	n/a			n/a
Adjusted quarterly average total assets (1)
Company	n/a				1,131,677	n/a			n/a
Bank	n/a				1,131,723	n/a			n/a

	December 31, 2014
	Ratio			Amount		"Adequately-capitalized" minimum			"Well-capitalized" minimum
Common equity Tier 1 capital
Company	n/a			n/a		n/a			n/a
Bank	n/a			n/a		n/a			n/a
Tier 1 risk-based capital
Company		15.00	%	$	132,455		4.0	%		6.0	%
Bank		14.99			132,299		4.0			6.0
Total risk-based capital
Company		16.26			143,519		8.0			10.0
Bank		16.24			143,363		8.0			10.0
Tier 1 leverage
Company		12.15			132,455		4.0			5.0
Bank		12.13			132,299		4.0			5.0
Risk-weighted assets
Company	n/a				882,809	n/a			n/a
Bank	n/a				882,781	n/a			n/a
Adjusted quarterly average total assets (1)
Company	n/a				1,090,314	n/a			n/a
Bank	n/a				1,090,281	n/a			n/a

      (1)      Reflects adjusted average total assets for the three months ended March 31, 2015 and December 31, 2014.