| Actual Capital Levels and Minimum Required Levels |
At March 31, 2016 and December 31, 2015, 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, 2016 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
154,260 |
|
|
|
11.0 |
% |
|
$ |
63,378 |
|
|
|
4.5 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
188,872 |
|
|
|
13.4 |
|
|
|
63,370 |
|
|
|
4.5 |
|
|
$ |
91,535 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
194,260 |
|
|
|
13.8 |
|
|
|
84,504 |
|
|
|
6.0 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
188,872 |
|
|
|
13.4 |
|
|
|
84,494 |
|
|
|
6.0 |
|
|
|
112,658 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
211,396 |
|
|
|
15.0 |
|
|
|
112,672 |
|
|
|
8.0 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
206,008 |
|
|
|
14.6 |
|
|
|
112,658 |
|
|
|
8.0 |
|
|
|
140,823 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
194,260 |
|
|
|
11.7 |
|
|
|
66,489 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
188,872 |
|
|
|
11.4 |
|
|
|
66,412 |
|
|
|
4.0 |
|
|
|
83,015 |
|
|
|
5.0 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2015 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
151,630 |
|
|
|
10.8 |
% |
|
$ |
63,479 |
|
|
|
4.5 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
186,930 |
|
|
|
13.2 |
|
|
|
63,463 |
|
|
|
4.5 |
|
|
$ |
91,668 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
191,630 |
|
|
|
13.6 |
|
|
|
84,638 |
|
|
|
6.0 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
186,930 |
|
|
|
13.2 |
|
|
|
84,617 |
|
|
|
6.0 |
|
|
|
112,822 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
208,711 |
|
|
|
14.8 |
|
|
|
112,851 |
|
|
|
8.0 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
203,471 |
|
|
|
14.4 |
|
|
|
112,822 |
|
|
|
8.0 |
|
|
|
141,028 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
191,630 |
|
|
|
11.5 |
|
|
|
66,400 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
186,930 |
|
|
|
11.2 |
|
|
|
66,332 |
|
|
|
4.0 |
|
|
|
82,915 |
|
|
|
5.0 |
|
|