| Actual capital levels and minimum required levels |
At June 30, 2013 and December 31, 2012, actual capital levels and minimum required levels were (in thousands):
|
|
Actual |
|
|
Minimum Required
For Capital
Adequacy Purposes
|
|
|
To Be Well
Capitalized Under
Prompt Corrective
Action Regulations
|
|
|
Minimum Required Under
MOU (1)
|
|
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
June 30, 2013 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
175,009 |
|
|
|
16.1 |
% |
|
$ |
86,832 |
|
|
|
8.0 |
% |
|
|
N/ |
A |
|
|
N/ |
A |
|
|
N/ |
A |
|
|
N/ |
A |
Bank |
|
|
171,579 |
|
|
|
15.8 |
|
|
|
86,884 |
|
|
|
8.0 |
|
|
$ |
108,605 |
|
|
|
10.0 |
% |
|
|
N/ |
A |
|
|
N/ |
A |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
159,945 |
|
|
|
14.7 |
|
|
|
43,416 |
|
|
|
4.0 |
|
|
|
N/ |
A |
|
|
N/ |
A |
|
|
N/ |
A |
|
|
N/ |
A |
Bank |
|
|
157,896 |
|
|
|
14.5 |
|
|
|
43,442 |
|
|
|
4.0 |
|
|
|
65,163 |
|
|
|
6.0 |
|
|
|
N/ |
A |
|
|
N/ |
A |
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
159,945 |
|
|
|
10.9 |
|
|
|
58,959 |
|
|
|
4.0 |
|
|
|
N/ |
A |
|
|
N/ |
A |
|
|
N/ |
A |
|
|
N/ |
A |
Bank |
|
|
157,896 |
|
|
|
10.7 |
|
|
|
58,923 |
|
|
|
4.0 |
|
|
|
73,654 |
|
|
|
5.0 |
|
|
$ |
N/ |
A |
|
|
N/ |
A |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2012 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
168,929 |
|
|
|
15.0 |
% |
|
$ |
90,244 |
|
|
|
8.0 |
% |
|
|
N/ |
A |
|
|
N/ |
A |
|
|
N/ |
A |
|
|
N/ |
A |
Bank |
|
|
164,214 |
|
|
|
14.5 |
|
|
|
90,299 |
|
|
|
8.0 |
|
|
$ |
112,874 |
|
|
|
10.0 |
% |
|
|
N/ |
A |
|
|
N/ |
A |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
150,857 |
|
|
|
13.4 |
|
|
|
45,122 |
|
|
|
4.0 |
|
|
|
N/ |
A |
|
|
N/ |
A |
|
|
N/ |
A |
|
|
N/ |
A |
Bank |
|
|
149,960 |
|
|
|
13.3 |
|
|
|
45,150 |
|
|
|
4.0 |
|
|
|
67,724 |
|
|
|
6.0 |
|
|
|
N/ |
A |
|
|
N/ |
A |
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
150,857 |
|
|
|
10.4 |
|
|
|
58,312 |
|
|
|
4.0 |
|
|
|
N/ |
A |
|
|
N/ |
A |
|
|
N/ |
A |
|
|
N/ |
A |
Bank |
|
|
149,960 |
|
|
|
10.3 |
|
|
|
58,371 |
|
|
|
4.0 |
|
|
|
72,964 |
|
|
|
5.0 |
|
|
$ |
116,742 |
|
|
|
8.0 |
% |
|
(1) |
The MOU is applicable only to the December 31, 2012 information presented in these columns. |
|