| Actual Capital Levels and Minimum Required Levels |
Actual capital levels (dollars in thousands) and minimum required levels were as follows at year-end:
| |
|
Actual |
|
|
Minimum Required
For Capital
Adequacy Purposes
|
|
|
To Be Well
Capitalized Under
Prompt Corrective
Action Regulations
|
|
| |
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
December 31, 2014 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
189,353 |
|
|
|
15.6 |
% |
|
$ |
97,420 |
|
|
|
8.0 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
186,276 |
|
|
|
15.3 |
|
|
|
97,575 |
|
|
|
8.0 |
|
|
$ |
121,969 |
|
|
|
10.0 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
174,084 |
|
|
|
14.3 |
|
|
|
48,706 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
170,983 |
|
|
|
14.0 |
|
|
|
48,788 |
|
|
|
4.0 |
|
|
|
73,182 |
|
|
|
6.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
174,084 |
|
|
|
11.6 |
|
|
|
59,998 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
170,983 |
|
|
|
11.4 |
|
|
|
59,923 |
|
|
|
4.0 |
|
|
|
74,904 |
|
|
|
5.0 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2013 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
174,433 |
|
|
|
15.7 |
% |
|
$ |
88,915 |
|
|
|
8.0 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
171,811 |
|
|
|
15.4 |
|
|
|
88,968 |
|
|
|
8.0 |
|
|
$ |
111,210 |
|
|
|
10.0 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
160,455 |
|
|
|
14.4 |
|
|
|
44,457 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
157,825 |
|
|
|
14.2 |
|
|
|
44,484 |
|
|
|
4.0 |
|
|
|
66,726 |
|
|
|
6.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
160,455 |
|
|
|
10.6 |
|
|
|
60,482 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
157,825 |
|
|
|
10.5 |
|
|
|
60,407 |
|
|
|
4.0 |
|
|
|
75,509 |
|
|
|
5.0 |
|
|