| Schedule of compliance with regulatory capital requirements under banking regulations |
Bancorp’s actual and required capital amounts and ratios as of December 31, 2014 and 2013 are presented in the following table (dollars in thousands): | | | | | | | | | | | | | | | | | | | | | | | Actual | | Regulatory minimum to be "adequately capitalized" | | Regulatory minimum to be "well- capitalized" | | Capital Amount | | Ratio | | Capital Amount | | Ratio | | Capital Amount | | Ratio | 2014 | |
| | |
| | |
| | |
| | |
| | |
| Tier 1 leverage (to average assets) | $ | 170,615 |
| | 7.7 | % | | $ | 89,076 |
| | 4.0 | % | | $ | 111,345 |
| | 5.0 | % | Tier 1 capital (to risk-weighted assets) | 170,615 |
| | 9.9 |
| | 68,892 |
| | 4.0 |
| | 103,338 |
| | 6.0 |
| Total capital (to risk-weighted assets) | 192,162 |
| | 11.2 |
| | 137,784 |
| | 8.0 |
| | 172,230 |
| | 10.0 |
| | | | | | | | | | | | | 2013 | |
| | |
| | |
| | |
| | |
| | |
| Tier 1 leverage (to average assets) | $ | 142,937 |
| | 10.5 | % | | $ | 54,527 |
| | 4.0 | % | | $ | 68,158 |
| | 5.0 | % | Tier 1 capital (to risk-weighted assets) | 142,937 |
| | 13.0 |
| | 44,021 |
| | 4.0 |
| | 66,031 |
| | 6.0 |
| Total capital (to risk-weighted assets) | 156,787 |
| | 14.3 |
| | 88,041 |
| | 8.0 |
| | 110,052 |
| | 10.0 |
|
The Bank’s actual and required capital amounts and ratios are presented in the following table (dollars in thousands): | | | | | | | | | | | | | | | | | | | | | | | Actual | | Regulatory minimum to be "adequately capitalized" | | Regulatory minimum to be "well- capitalized" | | Capital Amount | | Ratio | | Capital Amount | | Ratio | | Capital Amount | | Ratio | 2014 | |
| | |
| | |
| | |
| | |
| | |
| Tier 1 leverage (to average assets) | $ | 167,056 |
| | 7.5 | % | | $ | 88,946 |
| | 4.0 | % | | $ | 111,183 |
| | 5.0 | % | Tier 1 capital (to risk-weighted assets) | 167,056 |
| | 9.7 |
| | 68,700 |
| | 4.0 |
| | 103,050 |
| | 6.0 |
| Total capital (to risk-weighted assets) | 188,543 |
| | 11.0 |
| | 137,400 |
| | 8.0 |
| | 171,750 |
| | 10.0 |
| | | | | | | | | | | | | 2013 | |
| | |
| | |
| | |
| | |
| | |
| Tier 1 leverage (to average assets) | $ | 142,964 |
| | 10.5 | % | | $ | 54,529 |
| | 4.0 | % | | $ | 68,161 |
| | 5.0 | % | Tier 1 capital (to risk-weighted assets) | 142,964 |
| | 13.0 |
| | 43,939 |
| | 4.0 |
| | 65,909 |
| | 6.0 |
| Total capital (to risk-weighted assets) | 156,788 |
| | 14.3 |
| | 87,879 |
| | 8.0 |
| | 109,848 |
| | 10.0 |
|
|