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Capital Ratios (Tables)
 12 Months Ended
Dec. 31, 2012
Capital [Abstract]  
Schedule of compliance with regulatory capital requirements under banking regulations
The following table indicates the capital ratios for Park and each subsidiary at December 31, 2012 and December 31, 2011.
 
 
 
2012
 
2011
 
 
Tier 1
Risk-Based
 
Total Risk-Based
 
Leverage
 
Tier 1
Risk-Based
 
Total Risk-Based
 
Leverage
Park National Bank
 
9.28
%
 
11.17
%
 
6.43
%
 
9.52
%
 
11.46
%
 
6.58
%
Vision Bank
 
N/A

 
N/A

 
N/A

 
23.42
%
 
24.72
%
 
15.89
%
Park
 
13.12
%
 
15.77
%
 
9.17
%
 
14.15
%
 
16.65
%
 
9.81
%
Schedule of various measures of capital ratio
The following table reflects various measures of capital for Park and each of PNB and VB (during the period it was a Park banking subsidiary):
 
 
 
 
 
 
 
To Be Adequately Capitalized
 
To Be Well Capitalized
(In thousands)
 
Actual Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
At December 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
Total Risk-Based Capital
(to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
 
PNB
 
$
502,680

 
11.17
%
 
$
359,971

 
8.00
%
 
$
449,964

 
10.00
%
Park
 
732,413

 
15.77
%
 
371,477

 
8.00
%
 
N/A

 
N/A

Tier 1 Risk-Based Capital
(to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
 
PNB
 
$
417,690

 
9.28
%
 
$
179,986

 
4.00
%
 
$
269,978

 
6.00
%
Park
 
609,411

 
13.12
%
 
185,739

 
4.00
%
 
N/A

 
N/A

Leverage Ratio
(to average total assets)
 
 
 
 
 
 
 
 
 
 
 
 
PNB
 
$
417,690

 
6.43
%
 
$
259,769

 
4.00
%
 
$
324,711

 
5.00
%
Park
 
609,411

 
9.17
%
 
265,719

 
4.00
%
 
N/A

 
N/A

 
 
 
 
 
 
 
 
 
 
 
 
 
At December 31, 2011
 
 
 
 
 
 
 
 
 
 
 
 
Total Risk-Based Capital
(to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
 
PNB
 
$
498,367

 
11.46
%
 
$
347,972

 
8.00
%
 
$
434,965

 
10.00
%
VB (1)
 
115,637

 
24.72
%
 
37,427

 
8.00
%
 
46,784

 
10.00
%
Park
 
812,286

 
16.65
%
 
390,270

 
8.00
%
 
N/A

 
N/A

Tier 1 Risk-Based Capital
(to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
 
PNB
 
$
413,870

 
9.52
%
 
$
173,986

 
4.00
%
 
$
260,979

 
6.00
%
VB
 
109,566

 
23.42
%
 
18,714

 
4.00
%
 
28,071

 
6.00
%
Park
 
690,419

 
14.15
%
 
195,135

 
4.00
%
 
N/A

 
N/A

Leverage Ratio
(to average total assets)
 
 
 
 
 
 
 
 
 
 
 
 
PNB
 
$
413,870

 
6.58
%
 
$
251,691

 
4.00
%
 
$
314,614

 
5.00
%
VB (1)
 
109,566

 
15.89
%
 
27,588

 
4.00
%
 
34,485

 
5.00
%
Park
 
690,419

 
9.81
%
 
281,506

 
4.00
%
 
N/A

 
N/A

 
(1)
 Park management had agreed to maintain Vision Bank’s total risk-based capital at 16.00% and the leverage ratio at 12.00%.