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..
|