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Capital Matters (Tables)
 12 Months Ended
Dec. 31, 2013
Regulatory Capital Requirements [Abstract]  
Compliance with Regulatory Capital Requirements
Quantitative measures established by regulation to ensure capital adequacy require each bank to maintain minimum amounts and ratios (set forth in the accompanying table) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital to average assets (as defined). The minimum capital requirements to be characterized as “well-capitalized” and “adequately capitalized,” as defined by the prompt corrective action provision of federal law and CommunityOne’s capital ratios as of December 31, 2013 are noted in the following table. At December 31, 2013 CommunityOne Bank was designated as “well capitalized.” 
 
 
 
 
 
 
Minimum Regulatory Requirement to be Well Capitalized
(dollars in thousands)
 
Actual
 
For Capital
Adequacy Purposes
 
Under Prompt
Corrective Action
Provisions
 
 
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
 
December 31, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Capital (to Risk Weighted Assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
159,146

 
12.62
%
 
$
100,859

 
 
 
8.00
%
 
N/A

 
 
 
 
CommunityOne Bank, N.A.
 
166,152

 
13.20

 
100,713

 
 
 
8.00

 
$
125,891

 
 
10.00
%
 
Tier 1 Capital (to Risk Weighted Assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
119,499

 
9.48

 
$
50,429

 
 
 
N/A

 
N/A

 
 
 
 
CommunityOne Bank, N.A.
 
150,274

 
11.94

 
50,356

 
 
 
4.00

 
$
75,534

 
 
6.00
%
 
Tier 1 Capital (to Average Assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
119,499

 
5.96

 
$
80,220

 
 
 
N/A

 
N/A

 
 
 
 
CommunityOne Bank, N.A.
 
150,274

 
7.49

 
80,204

 
 
 
4.00

 
$
100,256

 
 
5.00
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Capital (to Risk Weighted Assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
158,993

 
12.34
%
 
$
103,051

 
 
 
8.00
%
 
N/A

 
 
 
 
CommunityOne Bank, N.A.
 
103,976

 
11.40

 
72,997

 
 
 
8.00

 
$
91,247

 
 
10.00
%
 
Bank of Granite
 
60,896

 
16.30

 
29,893

 
 
 
8.00

 
37,366

 
 
10.00

 
Tier 1 Capital (to Risk Weighted Assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
119,242

 
9.26

 
51,525

 
 
 
—

 
N/A

 
 
 
 
CommunityOne Bank, N.A.
 
92,418

 
10.13

 
36,499

 
 
 
4.00

 
$
54,748

 
 
6.00
%
 
Bank of Granite
 
56,209

 
15.04

 
14,946

 
 
 
4.00

 
22,420

 
 
6.00

 
Tier 1 Capital (to Average Assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
119,242

 
5.45

 
87,567

 
 
 
—

 
N/A

 
 
 
 
CommunityOne Bank, N.A.
 
92,418

 
6.17

 
59,909

 
 
 
4.00

 
$
74,886

 
 
5.00
%
 
Bank of Granite
 
56,209

 
8.12

 
27,675

 
 
 
4.00

 
34,594

 
 
5.00