Note 14 - Regulatory Capital

6 Months Ended

Jun. 30, 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 June 30, 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	$	459,988		9.54	%
Requirement to be well capitalized		240,978		5.00
Excess		219,010		4.54
Tier I risk-based capital:
Capital level	$	459,988		14.13	%
Requirement to be well capitalized		195,385		6.00
Excess		264,603		8.13
Total risk-based capital:
Capital level	$	489,222		15.02	%
Requirement to be well capitalized		325,641		10.00
Excess		163,581		5.02

The Holding Company is subject to the same regulatory capital requirements as the Bank. As of June 30, 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	$	472,547		9.82	%
Requirement to be well capitalized		240,689		5.00
Excess		231,858		4.82
Tier I risk-based capital:
Capital level	$	472,547		14.54	%
Requirement to be well capitalized		195,018		6.00
Excess		277,529		8.54
Total risk-based capital:
Capital level	$	501,782		15.44	%
Requirement to be well capitalized		325,031		10.00
Excess		176,751		5.44