| Summary of Actual Capital Amount and Well Capitalized Total Risk-Based, Tier I Risk-Based, and Tier I Leverage Ratios |
Actual capital
amounts, as well as required and well capitalized total risk-based,
Tier I risk-based, and Tier I leverage ratios as of
December 31, 2013 and 2012, for the Company and the Bank were
as follows:
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2013 |
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Actual |
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Adequacy
Purposes |
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To Be Well
Capitalized Under
Prompt
Corrective
Action Provisions |
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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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(Dollars in
Thousands) |
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Total Capital (to Risk
Weighted Assets):
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United Security Bancshares,
Inc.
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$ |
64,842 |
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19.20 |
% |
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$ |
27,012 |
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8.00 |
% |
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N/A |
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N/A |
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First United Security
Bank
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65,304 |
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19.34 |
% |
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27,012 |
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8.00 |
% |
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$ |
33,765 |
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10.00 |
% |
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Tier I Capital (to Risk
Weighted Assets):
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United Security Bancshares,
Inc.
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60,557 |
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17.93 |
% |
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13,506 |
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4.00 |
% |
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N/A |
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N/A |
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First United Security
Bank
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61,019 |
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18.07 |
% |
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13,506 |
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4.00 |
% |
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20,259 |
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6.00 |
% |
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Tier I Leverage (to Average
Assets):
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United Security Bancshares,
Inc.
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60,557 |
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10.88 |
% |
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16,698 |
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3.00 |
% |
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N/A |
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N/A |
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First United Security
Bank
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61,019 |
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10.97 |
% |
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16,691 |
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3.00 |
% |
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27,819 |
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5.00 |
% |
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2012 |
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Actual |
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Adequacy
Purposes |
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To Be Well
Capitalized Under
Prompt
Corrective
Action Provisions |
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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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(Dollars in
Thousands) |
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Total Capital (to Risk
Weighted Assets):
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United Security Bancshares,
Inc.
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$ |
63,957 |
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17.05 |
% |
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$ |
30,008 |
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8.00 |
% |
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N/A |
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N/A |
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First United Security
Bank
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64,422 |
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17.17 |
% |
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30,008 |
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8.00 |
% |
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$ |
37,510 |
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10.00 |
% |
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Tier I Capital (to Risk
Weighted Assets):
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United Security Bancshares,
Inc.
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59,088 |
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15.75 |
% |
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15,004 |
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4.00 |
% |
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N/A |
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N/A |
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First United Security
Bank
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59,553 |
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15.88 |
% |
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15,004 |
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4.00 |
% |
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22,506 |
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6.00 |
% |
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Tier I Leverage (to Average
Assets):
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United Security Bancshares,
Inc.
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59,088 |
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10.51 |
% |
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16,873 |
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3.00 |
% |
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N/A |
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N/A |
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First United Security
Bank
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59,553 |
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10.60 |
% |
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16,862 |
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3.00 |
% |
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28,104 |
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5.00 |
% |
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