| Actual capital levels and minimum required levels |
At June 30, 2014 and December 31, 2013, actual capital levels and minimum required levels were (in thousands):
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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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June 30, 2014 |
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Total capital (to risk weighted assets) |
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Consolidated |
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$ |
181,711 |
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16.3 |
% |
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$ |
88,998 |
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8.0 |
% |
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N/ |
A |
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N/ |
A |
Bank |
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179,010 |
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16.1 |
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89,152 |
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8.0 |
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$ |
111,440 |
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10.0 |
% |
Tier 1 capital (to risk weighted assets) |
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Consolidated |
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167,729 |
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15.1 |
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44,499 |
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4.0 |
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N/ |
A |
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N/ |
A |
Bank |
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165,005 |
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14.8 |
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44,576 |
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4.0 |
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66,864 |
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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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167,729 |
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11.4 |
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58,688 |
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4.0 |
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N/ |
A |
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N/ |
A |
Bank |
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165,005 |
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11.3 |
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58,631 |
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4.0 |
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73,289 |
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5.0 |
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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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15.7 |
% |
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$ |
88,915 |
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8.0 |
% |
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N/ |
A |
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N/ |
A |
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 |
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/ |
A |
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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