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Regulatory Capital Matters (Tables)
 12 Months Ended
Dec. 31, 2013
Banking and Thrift [Abstract]  
Summary of Company’s and Bank’s regulatory capital and threshold requirements
The following tables describe the Company’s and Bank’s regulatory capital and threshold requirements:
 
 
 
Actual
 
For capital adequacy purposes
 
To be well-capitalized under prompt corrective action provisions
December 31, 2013
 
Amount
 
Ratio
 
Amount
 
Minimum ratio
 
Amount
 
Minimum ratio
Total risk-based capital ratio
 
 
 
 
 
 
 
 
 
 
 
 
Company (consolidated)
 
$
218,470

 
19.76
%
 
$
88,435

 
8.00
%
 
N/A

 
 
Whidbey Island Bank
 
211,954

 
19.20
%
 
88,330

 
8.00
%
 
110,413

 
10.00
%
Tier 1 risk-based capital ratio
 
 
 
 
 
 
 
 

 
 

 
 

Company (consolidated)
 
204,431

 
18.49
%
 
44,217

 
4.00
%
 
N/A

 
 

Whidbey Island Bank
 
197,931

 
17.93
%
 
44,165

 
4.00
%
 
66,248

 
6.00
%
Tier 1 leverage ratio
 
 
 
 
 
 
 
 

 
 

 
 

Company (consolidated)
 
204,431

 
12.41
%
 
65,887

 
4.00
%
 
N/A

 
 

Whidbey Island Bank
 
197,931

 
12.02
%
 
65,855

 
4.00
%
 
82,319

 
5.00
%

 
 
Actual
 
For capital adequacy purposes
 
To be well-capitalized under prompt corrective action provisions
December 31, 2012
 
Amount
 
Ratio
 
Amount
 
Minimum ratio
 
Amount
 
Minimum ratio
Total risk-based capital ratio
 
 
 
 
 
 
 
 
 
 
 
 
Company (consolidated)
 
$
210,545

 
19.39
%
 
$
86,856

 
8.00
%
 
N/A

 
 
Whidbey Island Bank
 
203,471

 
18.77
%
 
86,715

 
8.00
%
 
108,393

 
10.00
%
Tier 1 risk-based capital ratio
 
 

 
 

 
 

 
 

 
 

 
 

Company (consolidated)
 
196,889

 
18.13
%
 
43,428

 
4.00
%
 
N/A

 
 

Whidbey Island Bank
 
189,837

 
17.51
%
 
43,357

 
4.00
%
 
65,036

 
6.00
%
Tier 1 leverage ratio
 
 

 
 

 
 

 
 

 
 

 
 

Company (consolidated)
 
196,889

 
11.78
%
 
66,858

 
4.00
%
 
N/A

 
 

Whidbey Island Bank
 
189,837

 
11.36
%
 
66,820

 
4.00
%
 
83,525

 
5.00
%