| Actual capital levels and minimum required levels |
At September 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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September 30, 2014 |
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Total capital (to risk weighted assets) |
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Consolidated |
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$ |
186,618 |
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16.3 |
% |
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$ |
91,659 |
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8.0 |
% |
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N/ |
A |
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N/ |
A |
Bank |
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183,675 |
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16.0 |
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91,812 |
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8.0 |
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$ |
114,765 |
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10.0 |
% |
Tier 1 capital (to risk weighted assets) |
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Consolidated |
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172,231 |
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15.0 |
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45,829 |
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4.0 |
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N/ |
A |
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N/ |
A |
Bank |
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169,264 |
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14.8 |
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45,906 |
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4.0 |
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68,859 |
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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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172,231 |
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11.6 |
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59,571 |
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4.0 |
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N/ |
A |
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N/ |
A |
Bank |
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169,264 |
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11.4 |
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59,500 |
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4.0 |
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74,376 |
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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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