XML 15 R55.htm IDEA: XBRL DOCUMENT v2.4.0.8
Note 10 - Regulatory Matters (Details) - Regulatory Ratios of the Consolidated Company and its Subsidiary Banks
Jun. 30, 2014
Dec. 31, 2013
Consolidated [Member]
   
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Tier 1 Risk-based Capital 19.43% [1] 18.95% [1]
Total Risk-based Capital 20.69% [1] 20.21% [1]
Tier 1 Leverage 11.99% [2] 11.90% [2]
Farmers Bank [Member]
   
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Tier 1 Risk-based Capital 18.08% [1] 17.56% [1]
Total Risk-based Capital 19.33% [1] 18.82% [1]
Tier 1 Leverage 9.71% [2] 9.60% [2]
United Bank [Member]
   
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Tier 1 Risk-based Capital 16.16% [1] 15.06% [1]
Total Risk-based Capital 17.43% [1] 16.33% [1]
Tier 1 Leverage 10.31% [2] 9.67% [2]
First Citizens Bank [Member]
   
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Tier 1 Risk-based Capital 13.39% [1] 12.92% [1]
Total Risk-based Capital 14.07% [1] 13.67% [1]
Tier 1 Leverage 9.20% [2] 9.03% [2]
Citizens Northern [Member]
   
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Tier 1 Risk-based Capital 14.12% [1] 13.57% [1]
Total Risk-based Capital 15.37% [1] 14.82% [1]
Tier 1 Leverage 9.81% [2] 9.67% [2]
[1] Tier 1 Risk-based and Total Risk-based Capital ratios are computed by dividing a bank's Tier 1 or Total Capital, as defined by regulation, by a risk-weighted sum of the bank's assets, with the risk weighting determined by general standards established by regulation. The safest assets (e.g., government obligations) are assigned a weighting of 0% with riskier assets receiving higher ratings (e.g., ordinary commercial loans are assigned a weighting of 100%).
[2] Tier 1 Leverage ratio is computed by dividing a bank's Tier 1 Capital, as defined by regulation, by its total quarterly average assets.