Actual

Minimum
for Capital
Adequacy Purposes

Minimum to Be Well
Capitalized Under
Prompt Corrective
Action Provisions

Amount

Percent

Amount

Percent

Amount

Percent

Bank as of March 31, 2015:

Tier I capital
(to average assets)

$

24,434

9.75

%

$

10,024

4.00

%

$

12,531

5.00%

Tier I capital common equity
(to risk weighted assets)

24.434

14.17

%

7,759

4.50

%

11,208

6.50%

Tier I capital
(to risk weighted assets)

24,434

14.17

%

10,346

6.00

%

13,795

8.00%

Total risk based capital
(to risk weighted assets)

26,627

15.44

%

13,724

8.00

%

17,243

10.00%

Company as of March 31, 2015

Tier I capital
(to average assets)

24,556

9.80

%

10,022

4.00

%

N/A

Tier I capital common equity
(to risk weighted assets)

24,556

14.21

%

7,760

4.50

%

N/A

Tier I capital
(to risk weighted assets)

24,556

14.21

%

10,370

6.00

%

N/A

Total risk based capital
(to risk weighted assets)

26,749

15.48

%

13,827

8.00

%

N/A

Bank as of December 31, 2014:

Tier I capital
(to average assets)

25,380

9.90

%

10,255

4.00

%

12,819

5.00%

Tier I capital
(to risk weighted assets)

25,380

13.58

%

7,478

4.00

%

11,217

6.00%

Total capital
(to risk weighted assets)

27,566

14.74

%

14,956

8.00

%

18,695

10.00%