| 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, 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 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 |
|
|