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Regulatory Capital Matters (Tables)
 6 Months Ended
Jun. 30, 2015
Regulatory Capital Requirements [Abstract]  
Schedule of Actual and Required Capital Amounts and Ratios

Actual and required capital amounts and ratios are presented below at June 30, 2015 and December 31, 2014:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Actual

 

 

Requirement For
Capital Adequacy Purposes:

 

 

To be Well Capitalized Under Prompt Corrective Action Provisions:

 

 

Amount

 

Ratio

 

 

Amount

 

Ratio

 

 

Amount

 

Ratio

 

June 30, 2015

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Common equity tier 1 capital ratio

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

$

158,239

 

 

12.61

%

 

$

56,466

 

 

4.50

%

 

N/A

 

N/A

 

Bank

 

146,581

 

 

11.72

%

 

 

56,304

 

 

4.50

%

 

$

81,328

 

 

6.50

%

Total risk based capital ratio

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

165,577

 

 

13.20

%

 

 

100,385

 

 

8.00

%

 

N/A

 

N/A

 

Bank

 

153,867

 

 

12.30

%

 

 

100,096

 

 

8.00

%

 

 

125,120

 

 

10.00

%

Tier 1 risk based capital ratio

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

158,239

 

 

12.61

%

 

 

75,289

 

 

6.00

%

 

N/A

 

N/A

 

Bank

 

146,581

 

 

11.72

%

 

 

75,072

 

 

6.00

%

 

 

100,096

 

 

8.00

%

Tier 1 leverage ratio

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

158,239

 

 

9.27

%

 

 

69,293

 

 

4.00

%

 

N/A

 

N/A

 

Bank

 

146,581

 

 

8.63

%

 

 

67,936

 

 

4.00

%

 

 

84,920

 

 

5.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2014

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital to risk weighted assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

$

121,340

 

 

16.48

%

 

$

58,523

 

 

8.00

%

 

N/A

 

N/A

 

Bank

 

114,321

 

 

15.56

%

 

 

58,773

 

 

8.00

%

 

$

73,466

 

 

10.00

%

Tier 1 Capital to risk weighted assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

113,654

 

 

15.43

%

 

 

29,262

 

 

4.00

%

 

N/A

 

N/A

 

Bank

 

106,689

 

 

14.52

%

 

 

29,386

 

 

4.00

%

 

 

44,079

 

 

6.00

%

Tier 1 Capital to average assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

113,654

 

 

10.03

%

 

 

45,313

 

 

4.00

%

 

N/A

 

N/A

 

Bank

 

106,689

 

 

9.37

%

 

 

45,565

 

 

4.00

%

 

 

56,956

 

 

5.00

%