Note 14 - Regulatory Capital

3 Months Ended

Mar. 31, 2014

Disclosure Text Block [Abstract]

Regulatory Capital Requirements under Banking Regulations [Text Block]

14. Regulatory Capital

Under current capital regulations, the Bank is required to comply with three separate capital adequacy standards. As of March 31, 2014, the Bank continues to be categorized as “well-capitalized” under the prompt corrective action regulations and continues to exceed all regulatory capital requirements.

Set forth below is a summary of the Bank’s compliance with banking regulatory capital standards.

(Dollars in thousands)	Amount		Percent of Assets
Tier I (leverage) capital:
Capital level	$	453,127		9.56	%
Requirement to be well capitalized		236,932		5.00
Excess		216,195		4.56
Tier I risk-based capital:
Capital level	$	453,127		14.31	%
Requirement to be well capitalized		190,026		6.00
Excess		263,101		8.31
Total risk-based capital:
Capital level	$	483,397		15.26	%
Requirement to be well capitalized		316,710		10.00
Excess		166,687		5.26

The Holding Company is subject to the same regulatory capital requirements as the Bank. As of March 31, 2014, the Holding Company continues to be categorized as “well-capitalized” under the prompt corrective action regulations and continues to exceed all regulatory capital requirements.

Set forth below is a summary of the Holding Company’s compliance with banking regulatory capital standards.

(Dollars in thousands)	Amount		Percent of Assets
Tier I (leverage) capital:
Capital level	$	466,356		9.86	%
Requirement to be well capitalized		236,575		5.00
Excess		229,781		4.86
Tier I risk-based capital:
Capital level	$	466,356		14.75	%
Requirement to be well capitalized		189,646		6.00
Excess		276,710		8.75
Total risk-based capital:
Capital level	$	496,626		15.71	%
Requirement to be well capitalized		316,077		10.00
Excess		180,549		5.71