| Actual Capital Levels and Minimum Required Levels |
At June 30, 2016 and December 31, 2015, actual capital levels and minimum required levels were (dollars in thousands):
| |
|
Actual |
|
|
Minimum
Capital
Adequacy
|
|
|
Minimum Capital
Adequacy With
Capital Buffer
|
|
|
To Be Well
Capitalized Under
Prompt Corrective
Action Regulations
|
|
| |
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
June 30, 2016 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
157,104 |
|
|
|
11.1 |
% |
|
$ |
63,451 |
|
|
|
4.5 |
% |
|
$ |
72,264 |
|
|
|
5.1 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
191,596 |
|
|
|
13.6 |
|
|
|
63,432 |
|
|
|
4.5 |
|
|
|
72,242 |
|
|
|
5.1 |
|
|
$ |
91,624 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
197,104 |
|
|
|
14.0 |
|
|
|
84,601 |
|
|
|
6.0 |
|
|
|
93,414 |
|
|
|
6.6 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
191,596 |
|
|
|
13.6 |
|
|
|
84,576 |
|
|
|
6.0 |
|
|
|
93,386 |
|
|
|
6.6 |
|
|
|
112,767 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
214,074 |
|
|
|
15.2 |
|
|
|
112,802 |
|
|
|
8.0 |
|
|
|
121,614 |
|
|
|
8.6 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
208,566 |
|
|
|
14.8 |
|
|
|
112,767 |
|
|
|
8.0 |
|
|
|
121,577 |
|
|
|
8.6 |
|
|
|
140,959 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
197,104 |
|
|
|
11.9 |
|
|
|
66,106 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
191,596 |
|
|
|
11.6 |
|
|
|
66,037 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
82,547 |
|
|
|
5.0 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2015 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
151,630 |
|
|
|
10.8 |
% |
|
$ |
63,479 |
|
|
|
4.5 |
% |
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
186,930 |
|
|
|
13.2 |
|
|
|
63,463 |
|
|
|
4.5 |
|
|
|
N/A |
|
|
|
N/A |
|
|
$ |
91,668 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
191,630 |
|
|
|
13.6 |
|
|
|
84,638 |
|
|
|
6.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
186,930 |
|
|
|
13.2 |
|
|
|
84,617 |
|
|
|
6.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
112,822 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
208,711 |
|
|
|
14.8 |
|
|
|
112,851 |
|
|
|
8.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
203,471 |
|
|
|
14.4 |
|
|
|
112,822 |
|
|
|
8.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
141,028 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
191,630 |
|
|
|
11.5 |
|
|
|
66,400 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
186,930 |
|
|
|
11.2 |
|
|
|
66,332 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
82,915 |
|
|
|
5.0 |
|
|