| Actual capital levels and minimum required levels |
Actual capital levels (dollars in thousands) and minimum required levels were as follows at year-end:
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To Be Well |
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Minimum Required |
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Capitalized Under |
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For Capital |
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Prompt Corrective |
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Actual |
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Adequacy Purposes |
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Action Regulations |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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December 31, 2013 |
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Total capital (to risk weighted assets) |
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Consolidated |
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$ |
174,433 |
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15.% |
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$ |
88,915 |
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8.0% |
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N/A |
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N/A |
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Bank |
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171,811 |
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15.4 |
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88,968 |
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8.0 |
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$ |
111,210 |
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10.0 |
% |
Tier 1 capital (to risk weighted assets) |
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Consolidated |
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160,455 |
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14.4 |
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44,457 |
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4.0 |
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N/A |
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N/A |
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Bank |
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157,825 |
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14.2 |
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44,484 |
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4.0 |
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66,726 |
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6.0 |
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Tier 1 capital (to average assets) |
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Consolidated |
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160,455 |
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10.6 |
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60,482 |
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4.0 |
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N/A |
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N/ |
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Bank |
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157,825 |
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10.5 |
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60,407 |
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4.0 |
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75,509 |
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5.0 |
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December 31, 2012 |
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Total capital (to risk weighted assets) |
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Consolidated |
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$ |
168,929 |
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15.0% |
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$ |
90,244 |
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8.0% |
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N/A |
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N/A |
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Bank |
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164,214 |
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14.5 |
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90,299 |
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8.0 |
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$ |
112,874 |
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10.0 |
% |
Tier 1 capital (to risk weighted assets) |
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Consolidated |
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150,857 |
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13.4 |
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45,122 |
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4.0 |
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N/A |
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N/A |
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Bank |
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149,960 |
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13.3 |
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45,150 |
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4.0 |
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67,724 |
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6.0 |
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Tier 1 capital (to average assets) |
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Consolidated |
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150,857 |
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10.4 |
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58,312 |
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4.0 |
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N/A |
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N/A |
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Bank (1) |
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149,960 |
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10.3 |
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58,371 |
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4.0 |
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72,964 |
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5.0 |
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(1) |
The MOU in effect at December 31, 2012 required a capital level of 8.0%, or $116,742, which the Bank exceeded. |
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