| Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations |
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To Be Well
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For Capital
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Capitalized Under
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Adequacy
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Prompt Corrective
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Actual
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Purposes
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Action Provisions
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(Dollars in thousands)
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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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DNB Financial Corporation
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December 31, 2013:
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Total risk-based capital
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$
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74,505
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16.40
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%
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$
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36,338
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8.00
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%
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N/A
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N/A
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Tier 1 risk-based capital
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69,727
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15.35
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18,169
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4.00
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N/A
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N/A
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Tier 1 (leverage) capital
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69,727
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10.61
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26,295
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4.00
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N/A
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N/A
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December 31, 2012:
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Total risk-based capital
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$
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71,775
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15.88
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%
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$
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36,153
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8.00
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%
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N/A
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N/A
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Tier 1 risk-based capital
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66,115
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14.63
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18,076
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4.00
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N/A
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N/A
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Tier 1 (leverage) capital
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66,115
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10.50
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25,189
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4.00
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N/A
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N/A
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DNB First, N.A.
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December 31, 2013:
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Total risk-based capital
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$
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74,527
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16.42
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%
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$
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36,306
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8.00
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%
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$
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45,381
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10.00
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%
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Tier 1 risk-based capital
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69,749
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15.37
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18,152
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4.00
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27,229
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6.00
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Tier 1 (leverage) capital
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69,749
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10.60
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26,314
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4.00
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32,893
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5.00
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December 31, 2012:
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Total risk-based capital
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$
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71,737
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15.89
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%
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$
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36,119
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8.00
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%
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$
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45,149
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10.00
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%
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Tier 1 risk-based capital
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66,077
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14.64
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18,060
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4.00
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27,090
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6.00
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Tier 1 (leverage) capital
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66,077
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10.53
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25,110
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4.00
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31,387
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5.00
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