| Actual Capital Levels and Minimum Required Levels |
At September 30, 2016 and December 31, 2015, actual capital levels and minimum required levels were (dollars in thousands):
| |
|
Actual |
|
|
Minimum
Capital
Adequacy
|
|
|
Minimum Capital
Adequacy With
Capital Buffer
|
|
|
To Be Well
Capitalized Under
Prompt Corrective
Action Regulations
|
|
| |
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
September 30, 2016 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
160,809 |
|
|
|
11.3 |
% |
|
$ |
64,314 |
|
|
|
4.5 |
% |
|
$ |
73,246 |
|
|
|
5.1 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
195,037 |
|
|
|
13.7 |
|
|
|
64,002 |
|
|
|
4.5 |
|
|
|
72,892 |
|
|
|
5.1 |
|
|
$ |
92,448 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
200,809 |
|
|
|
14.1 |
|
|
|
85,752 |
|
|
|
6.0 |
|
|
|
94,684 |
|
|
|
6.6 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
195,037 |
|
|
|
13.7 |
|
|
|
85,336 |
|
|
|
6.0 |
|
|
|
94,226 |
|
|
|
6.6 |
|
|
|
113,782 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
217,664 |
|
|
|
15.2 |
|
|
|
114,336 |
|
|
|
8.0 |
|
|
|
123,268 |
|
|
|
8.6 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
211,892 |
|
|
|
14.9 |
|
|
|
113,782 |
|
|
|
8.0 |
|
|
|
122,671 |
|
|
|
8.6 |
|
|
|
142,227 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
200,809 |
|
|
|
12.0 |
|
|
|
67,112 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
195,037 |
|
|
|
11.6 |
|
|
|
67,004 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
83,805 |
|
|
|
5.0 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2015 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
151,630 |
|
|
|
10.8 |
% |
|
$ |
63,479 |
|
|
|
4.5 |
% |
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
186,930 |
|
|
|
13.2 |
|
|
|
63,463 |
|
|
|
4.5 |
|
|
|
N/A |
|
|
|
N/A |
|
|
$ |
91,668 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
191,630 |
|
|
|
13.6 |
|
|
|
84,638 |
|
|
|
6.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
186,930 |
|
|
|
13.2 |
|
|
|
84,617 |
|
|
|
6.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
112,822 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
208,711 |
|
|
|
14.8 |
|
|
|
112,851 |
|
|
|
8.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
203,471 |
|
|
|
14.4 |
|
|
|
112,822 |
|
|
|
8.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
141,028 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
191,630 |
|
|
|
11.5 |
|
|
|
66,400 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
186,930 |
|
|
|
11.2 |
|
|
|
66,332 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
82,915 |
|
|
|
5.0 |
|
|