| Schedule of Actual and Required Capital Amounts and Ratios |
Actual and required capital amounts and ratios are presented below at year-end:
|
|
|
Actual |
|
|
Requirement For Capital
Adequacy Purposes: |
|
|
To be Well Capitalized
Under Prompt Corrective
Action Provisions: |
|
|
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
2015 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Common equity tier 1 capital ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
165,451 |
|
|
|
11.59 |
% |
|
$ |
64,245 |
|
|
|
4.5 |
% |
|
N/A |
|
|
N/A |
|
|
Bank |
|
|
157,396 |
|
|
|
11.08 |
% |
|
|
63,938 |
|
|
|
4.5 |
% |
|
$ |
92,354 |
|
|
|
6.5 |
% |
|
Total risk based capital ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
176,571 |
|
|
|
12.37 |
% |
|
|
114,214 |
|
|
|
8.0 |
% |
|
N/A |
|
|
N/A |
|
|
Bank |
|
|
166,374 |
|
|
|
11.71 |
% |
|
|
113,667 |
|
|
|
8.0 |
% |
|
|
142,084 |
|
|
|
10.0 |
% |
|
Tier I risk based capital ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
167,550 |
|
|
|
11.74 |
% |
|
|
85,660 |
|
|
|
6.0 |
% |
|
N/A |
|
|
N/A |
|
|
Bank |
|
|
157,396 |
|
|
|
11.08 |
% |
|
|
85,250 |
|
|
|
6.0 |
% |
|
|
113,667 |
|
|
|
8.0 |
% |
|
Tier I leverage ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
167,550 |
|
|
|
9.21 |
% |
|
|
72,803 |
|
|
|
4.0 |
% |
|
N/A |
|
|
N/A |
|
|
Bank |
|
|
157,396 |
|
|
|
8.65 |
% |
|
|
72,770 |
|
|
|
4.0 |
% |
|
|
90,963 |
|
|
|
5.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2014 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total risk based capital ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
121,340 |
|
|
|
16.48 |
% |
|
$ |
58,523 |
|
|
|
8.0 |
% |
|
N/A |
|
|
N/A |
|
|
Bank |
|
|
114,321 |
|
|
|
15.56 |
% |
|
|
58,773 |
|
|
|
8.0 |
% |
|
$ |
73,466 |
|
|
|
10.0 |
% |
|
Tier I risk based capital ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
113,654 |
|
|
|
15.43 |
% |
|
|
29,262 |
|
|
|
4.0 |
% |
|
N/A |
|
|
N/A |
|
|
Bank |
|
|
106,689 |
|
|
|
14.52 |
% |
|
|
29,386 |
|
|
|
4.0 |
% |
|
|
44,079 |
|
|
|
6.0 |
% |
|
Tier I leverage ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
113,654 |
|
|
|
10.03 |
% |
|
|
45,313 |
|
|
|
4.0 |
% |
|
N/A |
|
|
N/A |
|
|
Bank |
|
|
106,689 |
|
|
|
9.37 |
% |
|
|
45,565 |
|
|
|
4.0 |
% |
|
|
56,956 |
|
|
|
5.0 |
% |
|