| Actual capital levels and minimum required levels |
At March 31, 2015 and December 31, 2014, actual capital levels and minimum required levels were (dollars in thousands):
| |
|
Actual |
|
|
Minimum Required For Capital Adequacy Purposes |
|
|
To Be Well Capitalized Under Prompt Corrective Action Regulations |
|
| |
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
March 31, 2015 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
144,341 |
|
|
|
10.7 |
% |
|
$ |
60,487 |
|
|
|
4.5 |
% |
|
|
N/ |
A |
|
|
N/ |
A |
Bank |
|
|
178,932 |
|
|
|
13.3 |
|
|
|
60,477 |
|
|
|
4.5 |
|
|
$ |
87,355 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
184,341 |
|
|
|
13.7 |
|
|
|
80,650 |
|
|
|
6.0 |
|
|
|
N/ |
A |
|
|
N/ |
A |
Bank |
|
|
178,932 |
|
|
|
13.3 |
|
|
|
80,636 |
|
|
|
6.0 |
|
|
|
107,514 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
201,173 |
|
|
|
15.0 |
|
|
|
107,533 |
|
|
|
8.0 |
|
|
|
N/ |
A |
|
|
N/ |
A |
Bank |
|
|
195,761 |
|
|
|
14.6 |
|
|
|
107,514 |
|
|
|
8.0 |
|
|
|
134,393 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
184,341 |
|
|
|
11.9 |
|
|
|
61,969 |
|
|
|
4.0 |
|
|
|
N/ |
A |
|
|
N/ |
A |
Bank |
|
|
178,932 |
|
|
|
11.6 |
|
|
|
61,885 |
|
|
|
4.0 |
|
|
|
77,356 |
|
|
|
5.0 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2014 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 |
% |
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 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 |
|
|