Note 12 - Minimum Regulatory Capital Requirement

12 Months Ended

Dec. 31, 2015

Disclosure Text Block [Abstract]

Regulatory Capital Requirements under Banking Regulations [Text Block]

Note 12: Minimum Regulatory Capital Requirement

The Company (on a consolidated basis) and its subsidiary bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s and the bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies.

The final rules implementing the Basel Committee on Banking Supervision's capital guidelines for U.S. banks (Basel III rules) became effective on January 1, 2015, with full compliance with all of the requirements being phased in over a multi-year schedule, and fully phased in by January 1, 2019.  As part of the new requirements, the Common Equity Tier I Capital ratio is calculated and utilized in the assessment of capital for all institutions.  Capital amounts and ratios for December 31, 2014 were calculated using the Basel I rules, which were effective until January 1, 2015.

Quantitative measures established by regulation to ensure capital adequacy require the Company and the bank to maintain minimum amounts and ratios (set forth in the following table) of total, Tier 1, and Common Equity Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as defined). Management believes, as of December 31, 2015 and 2014, that the Company and the bank meet all capital adequacy requirements to which they are subject.

As of December 31, 2015, the most recent notifications from the Office of the Comptroller of the Currency categorized the bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based, Common Equity Tier 1 risk-based and Tier 1 leverage ratios, as set forth in the following tables. There are no conditions or events since these notifications that management believes have changed the bank’s category. The Company’s and the bank’s actual capital amounts and ratios as of December 31, 2015 and 2014 are also presented in the following tables.

	Actual					Minimum Capital Requirement					Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
December 31, 2015
Total capital (to risk weighted assets)
NBI consolidated	$	184,054		25.5	%	$	57,681		8.0	%		N/A		N/A
NBB		181,926		25.3	%		57,526		8.0	%	$	71,908		10.0	%
Tier 1 capital (to risk weighted assets)
NBI consolidated	$	175,757		24.4	%	$	43,261		6.0	%		N/A		N/A
NBB		173,629		24.1	%		43,145		6.0	%	$	57,526		8.0	%
Common Equity Tier 1 capital (to risk weighted assets)
NBI consolidated	$	175,757		24.4	%	$	32,446		4.5	%		N/A		N/A
NBB		173,629		24.1	%		32,358		4.5	%	$	46,740		6.5	%
Tier 1 capital (to average assets)
NBI consolidated	$	175,757		15.1	%	$	46,594		4.0	%		N/A		N/A
NBB		173,629		14.9	%		46,648		4.0	%	$	58,310		5.0	%

	Actual					Minimum Capital Requirement					Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
December 31, 2014
Total capital (to risk weighted assets)
NBI consolidated	$	172,976		24.9	%	$	55,615		8.0	%		N/A		N/A
NBB		170,665		24.6	%		55,438		8.0	%	$	69,298		10.0	%
Tier 1 capital (to risk weighted assets)
NBI consolidated	$	164,713		23.7	%	$	27,807		4.0	%		N/A		N/A
NBB		162,402		23.4	%		27,719		4.0	%	$	41,579		6.0	%
Tier 1 capital (to average assets)
NBI consolidated	$	164,713		14.6	%	$	45,122		4.0	%		N/A		N/A
NBB		162,402		14.4	%		45,074		4.0	%	$	56,342		5.0	%