Note 14 - Regulatory Capital

12 Months Ended

Dec. 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 December 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.

	December 31, 2014					December 31, 2013
	Amount		Percent of Assets			Amount		Percent of Assets
	(Dollars in thousands)
Tier I (leverage) capital:
Capital level	$	472,251		9.63	%	$	447,305		9.48	%
Requirement to be well capitalized		245,254		5.00			235,992		5.00
Excess		226,997		4.63			211,313		4.48
Tier I risk-based capital:
Capital level	$	472,251		13.87	%	$	447,305		14.59	%
Requirement to be well capitalized		204,354		6.00			183,944		6.00
Excess		267,897		7.87			263,361		8.59
Total risk-based capital:
Capital level	$	497,347		14.60	%	$	479,081		15.63	%
Requirement to be well capitalized		340,589		10.00			306,573		10.00
Excess		156,758		4.60			172,508		5.63

As a result of its conversion to a bank holding company on February 28, 2013, the Holding Company became subject to the same regulatory capital requirements as the Bank. As of December 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.

	December 31, 2014					December 31, 2013
	Amount		Percent of Assets			Amount		Percent of Assets
	(Dollars in thousands)
Tier I (leverage) capital:
Capital level	$	471,233		9.62	%	$	456,772		9.70	%
Requirement to be well capitalized		244,960		5.00			235,547		5.00
Excess		226,273		4.62			221,225		4.70
Tier I risk-based capital:
Capital level	$	471,233		13.87	%	$	456,772		14.93	%
Requirement to be well capitalized		203,878		6.00			183,579		6.00
Excess		267,355		7.87			273,193		8.93
Total risk-based capital:
Capital level	$	496,329		14.61	%	$	488,548		15.97	%
Requirement to be well capitalized		339,797		10.00			305,966		10.00
Excess		156,532		4.61			182,582		5.97