Regulatory Matters (Tables)
 12 Months Ended
Dec. 31, 2014
Banking and Thrift [Abstract]  
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations
The following table depicts FSC’s capital ratios at December 31, 2014 and 2013, in relation to the minimum capital ratios established by the regulations of the FRB:
 
 
December 31, 2014
 
December 31, 2013
($ in thousands)
 
Amount
 
Percent
 
Amount
 
Percent
Tier 1 Capital:
 
 
 
 
 
 
 
 
Actual
 
$
303,279

 
11.07
%
 
$
277,886

 
12.71
%
Minimum
 
109,586

 
4.00
%
 
87,454

 
4.00
%
Excess
 
$
193,693

 
7.07
%
 
$
190,432

 
8.71
%
Total Risk-Based Capital:
 
 
 
 
 
 
 
 
Actual
 
$
329,143

 
12.01
%
 
$
305,304

 
13.96
%
Minimum
 
219,246

 
8.00
%
 
174,959

 
8.00
%
Excess
 
$
109,897

 
4.01
%
 
$
130,345

 
5.96
%
Tier 1 Capital Leverage Ratio:
 
 
 
 
 
 
 
 
Actual
 
 
 
10.40
%
 
 
 
11.02
%
Minimum
 
 
 
4.00
%
 
 
 
4.00
%
Excess
 
 
 
6.40
%
 
 
 
7.02
%
The following table sets forth the capital requirements for the Bank under FDIC regulations and the Bank’s capital ratios at December 31, 2014 and 2013.
 
 
 
 
FDIC Regulations
 
 
December 31,
 
Adequately
Capitalized
 
Well
Capitalized
Capital Ratios:
 
2014
 
2013
Leverage
 
9.76
%
 
10.14
%
 
4.00
%
 
5.00
%
Risk-Based Capital:
 
 
 
 
 
 
 
 
Tier 1
 
10.38
%
 
11.68
%
 
4.00
%
 
6.00
%
Total
 
11.69
%
 
13.39
%
 
8.00
%
 
10.00
%