Note 15 - Regulatory Capital Requirements

3 Months Ended

Mar. 31, 2015

Disclosure Text Block [Abstract]

Regulatory Capital Requirements under Banking Regulations [Text Block]

15. Regulatory Capital. The Bank is subject to various regulatory capital requirements administered by federal and state banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Bank's financial statements. Management believes, as of March 31, 2015, that the Bank meets all capital adequacy requirements to which it is subject. The Company’s most significant asset is its investment in the Bank. Consequently, the information concerning capital ratios is essentially the same for the Company and the Bank. Beginning with the quarter ended March 31, 2015, banks became subject to new Basel III Capital Rules. As a result, certain items in the risk-based capital calculation have changed. In addition, a new ratio, Common Equity Tier 1 Risk-Based Capital Ratio, is now being measured and monitored. For our bank and given our capital structure, the Common Equity Tier 1 Risk-Based Capital Ratio and the Tier 1 Risk-Based Capital Ratio are identical. The Bank's actual regulatory capital amounts and ratios as of March 31, 2015, and December 31, 2014, are listed below:

	March 31, 2015					December 31, 2014
Regulatory Capital Ratios	Amount		Ratio			Amount		Ratio
	(Dollars in thousands)
Total Risk-Based Capital Ratio (to Risk Weighted Assets)	$	85,099		15.2	%	$	82,670		14.6	%
Common Equity Tier 1 Risk-Based Capital Ratio (to Risk Weighted Assets)		78,110		14.0
Tier 1 Risk-Based Capital Ratio (to Risk Weighted Assets)		78,110		14.0			75,568		13.3
Tier 1 Leverage Capital Ratio (to Average Assets)		78,110		9.0			75,568		9.7