Note 14 - Regulatory Capital

9 Months Ended

Sep. 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 September 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	$	466,475		9.62	%
Requirement to be well capitalized		242,485		5.00
Excess		223,990		4.62
Tier I risk-based capital:
Capital level	$	466,475		14.37	%
Requirement to be well capitalized		194,730		6.00
Excess		271,745		8.37
Total risk-based capital:
Capital level	$	494,819		15.25	%
Requirement to be well capitalized		324,549		10.00
Excess		170,270		5.25

The Holding Company is subject to the same regulatory capital requirements as the Bank. As of September 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	$	469,670		9.70	%
Requirement to be well capitalized		242,190		5.00
Excess		227,480		4.70
Tier I risk-based capital:
Capital level	$	469,670		14.50	%
Requirement to be well capitalized		194,373		6.00
Excess		275,297		8.50
Total risk-based capital:
Capital level	$	498,014		15.37	%
Requirement to be well capitalized		323,956		10.00
Excess		174,058		5.37