| Summary of State Bank's actual capital amounts and ratios |
| | | | | | | | | | | | | | | To Be Well Capitalized | | | | | | | | | | | For Capital Adequacy | | | Under Prompt Corrective | | | | | Actual | | | Purposes | | | Action Procedures | | | ($ in thousands) | | Amount | | | Ratio | | | Amount | | | Ratio | | | Amount | | | Ratio | | | As of December 31, 2016 | | | | | | | | | | | | | | | | | | | | Tier I Capital to average assets | | $ | 74,183 | | | | 9.31 | % | | $ | 31,875 | | | | 4.0 | % | | $ | 39,844 | | | | 5.0 | % | | Tier I Common equity capital to risk-weighted assets | | | 74,183 | | | | 10.28 | % | | | 32,477 | | | | 4.5 | % | | | 46,912 | | | | 6.5 | % | | | | | | | | | | | | | | | | | | | | | | | | | | | | Tier I Capital to risk-weighted assets | | | 74,183 | | | | 10.28 | % | | | 43,303 | | | | 6.0 | % | | | 57,738 | | | | 8.0 | % | | Total Risk-based capital to risk-weighted assets | | | 81,908 | | | | 11.35 | % | | | 57,738 | | | | 8.0 | % | | | 72,172 | | | | 10.0 | % | | | | | | | | | | | | | | | | | | | | | | | | | | | | As of December 31, 2015 | | | | | | | | | | | | | | | | | | | | | | | | | | Tier I Capital to average assets | | $ | 64,914 | | | | 9.10 | % | | $ | 28,534 | | | | 4.0 | % | | $ | 35,668 | | | | 5.0 | % | | Tier I Common equity capital to risk-weighted assets | | | 64,914 | | | | 10.23 | % | | | 28,545 | | | | 4.5 | % | | | 41,231 | | | | 6.5 | % | | | | | | | | | | | | | | | | | | | | | | | | | | | | Tier I Capital to risk-weighted assets | | | 64,914 | | | | 10.23 | % | | | 38,059 | | | | 6.0 | % | | | 50,746 | | | | 8.0 | % | | Total Risk-based capital to risk-weighted assets | | | 71,904 | | | | 11.34 | % | | | 50,746 | | | | 8.0 | % | | | 63,432 | | | | 10.0 | % |
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