| Actual capital levels and minimum required levels |
At September 30, 2013 and December 31, 2012, actual capital levels and minimum required levels were (in thousands):
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To Be Well |
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Minimum Required |
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Capitalized Under |
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For Capital |
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Prompt Corrective |
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Minimum Required |
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Actual |
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Adequacy Purposes |
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Action Regulations |
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Under MOU (1) |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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September 30, 2013 |
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Total capital (to risk weighted assets) |
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Consolidated |
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$ |
177,037 |
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16.0 |
% |
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$ |
88,285 |
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8.0 |
% |
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N/ |
A |
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N/ |
A |
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N/ |
A |
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N/ |
A |
Bank |
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175,541 |
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15.9 |
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|
88,336 |
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8.0 |
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$ |
110,421 |
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10.0 |
% |
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N/ |
A |
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N/ |
A |
Tier 1 capital (to risk weighted assets) |
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Consolidated |
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163,150 |
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14.8 |
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44,143 |
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4.0 |
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N/ |
A |
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N/ |
A |
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N/ |
A |
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N/ |
A |
Bank |
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161,646 |
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14.6 |
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44,168 |
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4.0 |
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66,252 |
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6.0 |
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N/ |
A |
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N/ |
A |
Tier 1 capital (to average assets) |
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Consolidated |
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163,150 |
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10.9 |
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59,922 |
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4.0 |
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N/ |
A |
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N/ |
A |
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N/ |
A |
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N/ |
A |
Bank |
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161,646 |
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10.8 |
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59,887 |
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4.0 |
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74,859 |
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5.0 |
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N/ |
A |
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N/ |
A |
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December 31, 2012 |
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Total capital (to risk weighted assets) |
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Consolidated |
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$ |
168,929 |
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15.0 |
% |
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$ |
90,244 |
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8.0 |
% |
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N/ |
A |
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N/ |
A |
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N/ |
A |
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N/ |
A |
Bank |
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164,214 |
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14.5 |
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|
90,299 |
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8.0 |
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$ |
112,874 |
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10.0 |
% |
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N/ |
A |
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N/ |
A |
Tier 1 capital (to risk weighted assets) |
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Consolidated |
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150,857 |
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13.4 |
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45,122 |
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4.0 |
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N/ |
A |
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N/ |
A |
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N/ |
A |
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N/ |
A |
Bank |
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149,960 |
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13.3 |
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45,150 |
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4.0 |
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|
67,724 |
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6.0 |
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N/ |
A |
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N/ |
A |
Tier 1 capital (to average assets) |
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Consolidated |
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150,857 |
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10.4 |
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|
58,312 |
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4.0 |
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N/ |
A |
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N/ |
A |
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N/ |
A |
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N/ |
A |
Bank |
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149,960 |
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10.3 |
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|
58,371 |
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4.0 |
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|
72,964 |
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5.0 |
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$ |
116,742 |
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8.0 |
% |
|
(1) |
The MOU is applicable only to the December 31, 2012 information presented in these columns. |
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