| Company's and National Bank of Commerce's Capital Amounts and Ratios |
The Company’s and its banking subsidiaries, NBC and ULB,
actual capital amounts (in thousands) and ratios are also presented
in the table below. ULB’s ratios are not presented as of
December 31, 2013 as it was not acquired until December 15,
2014.
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Actual |
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For Capital
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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As of December 31, 2014
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Total Capital (to Risk Weighted Assets)
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National Commerce Corporation
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$ |
106,289 |
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11.75 |
% |
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$ |
72,367 |
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8.00 |
% |
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N/A |
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N/A |
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National Bank of Commerce
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$ |
84,148 |
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11.42 |
% |
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$ |
58,948 |
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8.00 |
% |
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$ |
73,685 |
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10.00 |
% |
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United Legacy Bank
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$ |
18,731 |
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11.31 |
% |
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$ |
13,249 |
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8.00 |
% |
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$ |
16,561 |
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10.00 |
% |
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Tier 1 Capital (to Risk Weighted Assets)
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National Commerce Corporation
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$ |
96,487 |
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10.66 |
% |
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$ |
36,205 |
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4.00 |
% |
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N/A |
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N/A |
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National Bank of Commerce
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$ |
74,927 |
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10.16 |
% |
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$ |
29,499 |
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4.00 |
% |
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$ |
44,248 |
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6.00 |
% |
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United Legacy Bank
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$ |
18,731 |
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11.31 |
% |
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$ |
6,625 |
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4.00 |
% |
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$ |
9,937 |
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6.00 |
% |
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Tier 1 Capital (to Average Assets)
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National Commerce Corporation
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$ |
96,487 |
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10.68 |
% |
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$ |
36,137 |
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4.00 |
% |
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N/A |
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N/A |
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National Bank of Commerce
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$ |
74,927 |
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8.57 |
% |
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$ |
34,972 |
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4.00 |
% |
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$ |
43,715 |
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5.00 |
% |
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United Legacy Bank
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$ |
18,731 |
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8.60 |
% |
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$ |
8,712 |
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4.00 |
% |
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$ |
10,890 |
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5.00 |
% |
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As of December 31, 2013
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Total Capital (to Risk Weighted Assets)
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National Commerce Corporation
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$ |
92,718 |
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15.83 |
% |
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$ |
46,847 |
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8.00 |
% |
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N/A |
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N/A |
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National Bank of Commerce
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$ |
91,918 |
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15.71 |
% |
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$ |
46,803 |
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8.00 |
% |
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$ |
58,504 |
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10.00 |
% |
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Tier 1 Capital (to Risk Weighted Assets)
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National Commerce Corporation
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$ |
85,376 |
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14.58 |
% |
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$ |
23,423 |
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4.00 |
% |
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N/A |
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N/A |
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National Bank of Commerce
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$ |
84,583 |
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14.46 |
% |
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$ |
23,402 |
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4.00 |
% |
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$ |
35,103 |
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6.00 |
% |
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Tier 1 Capital (to Average Assets)
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National Commerce Corporation
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$ |
85,376 |
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12.18 |
% |
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$ |
28,043 |
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4.00 |
% |
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N/A |
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N/A |
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National Bank of Commerce
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$ |
84,583 |
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12.07 |
% |
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$ |
28,042 |
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4.00 |
% |
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$ |
35,053 |
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5.00 |
% |
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