| Actual capital levels and minimum required levels |
At June 30, 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 |
|
June 30, 2015 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
146,392 |
|
|
|
10.9 |
% |
|
$ |
60,626 |
|
|
|
4.5 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
181,020 |
|
|
|
13.4 |
|
|
|
60,615 |
|
|
|
4.5 |
|
|
$ |
87,555 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
186,392 |
|
|
|
13.8 |
|
|
|
80,834 |
|
|
|
6.0 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
181,020 |
|
|
|
13.4 |
|
|
|
80,820 |
|
|
|
6.0 |
|
|
|
107,759 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
203,249 |
|
|
|
15.1 |
|
|
|
107,779 |
|
|
|
8.0 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
197,874 |
|
|
|
14.7 |
|
|
|
107,759 |
|
|
|
8.0 |
|
|
|
134,699 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
186,392 |
|
|
|
11.7 |
|
|
|
63,720 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
181,020 |
|
|
|
11.4 |
|
|
|
63,650 |
|
|
|
4.0 |
|
|
|
79,563 |
|
|
|
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 |
|
|