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Regulatory Matters (Tables)
12 Months Ended
Dec. 31, 2013
Regulatory Matters  
Schedule of the risk based capital amounts and ratios

 

 

 

Actual

 

Minimum for adequately
capitalized

 

Minimum for well
capitalized

 

(Dollars in thousands)

 

Amount

 

Ratio

 

Amount

 

Ratio

 

Amount

 

Ratio

 

December 31, 2013

 

 

 

 

 

 

 

 

 

 

 

 

 

Total risk-based capital (1)

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

252,171

 

13.54

%

$

148,993

 

8.00

%

NA

 

NA

 

Bank

 

239,577

 

12.90

%

148,575

 

8.00

%

$

185,719

 

10.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier I risk-based capital (1)

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

228,827

 

12.29

%

$

74,476

 

4.00

%

NA

 

NA

 

Bank

 

219,299

 

11.65

%

75,296

 

4.00

%

$

112,944

 

6.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Leverage (2)

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

228,827

 

9.75

%

$

70,408

 

3.00

%

NA

 

NA

 

Bank

 

219,299

 

9.24

%

71,201

 

3.00

%

$

118,668

 

5.00

%

December 31, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

Total risk-based capital (1)

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

250,837

 

14.42

%

$

139,161

 

8.00

%

NA

 

NA

 

Bank

 

220,133

 

12.70

%

138,666

 

8.00

%

$

173,333

 

10.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier I risk-based capital (1)

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

228,972

 

13.17

%

$

69,544

 

4.00

%

NA

 

NA

 

Bank

 

198,339

 

11.44

%

69,349

 

4.00

%

$

104,024

 

6.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Leverage (2)

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

228,972

 

10.79

%

$

63,662

 

3.00

%

NA

 

NA

 

Bank

 

198,339

 

9.37

%

63,502

 

3.00

%

$

105,837

 

5.00

%

 

(1) Ratio is computed in relation to risk-weighted assets.

(2) Ratio is computed in relation to average assets.

NA — Not applicable.  Regulatory framework does not define well capitalized for holding companies..