| Actual capital levels and minimum required levels |
At September 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 |
|
September 30, 2015 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
149,105 |
|
|
|
10.5 |
% |
|
$ |
63,683 |
|
|
|
4.5 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
183,701 |
|
|
|
13.0 |
|
|
|
63,674 |
|
|
|
4.5 |
|
|
$ |
91,973 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
189,105 |
|
|
|
13.4 |
|
|
|
84,911 |
|
|
|
6.0 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
183,701 |
|
|
|
13.0 |
|
|
|
84,899 |
|
|
|
6.0 |
|
|
|
113,198 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
206,806 |
|
|
|
14.6 |
|
|
|
113,215 |
|
|
|
8.0 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
201,400 |
|
|
|
14.2 |
|
|
|
113,198 |
|
|
|
8.0 |
|
|
|
141,498 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
189,105 |
|
|
|
11.3 |
|
|
|
66,686 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
183,701 |
|
|
|
11.0 |
|
|
|
66,618 |
|
|
|
4.0 |
|
|
|
83,272 |
|
|
|
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 |
|
|