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REGULATORY MATTERS (Tables)
 12 Months Ended
Dec. 31, 2014
Regulatory Capital Requirements [Abstract]  
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]
As the following tables indicate, at December 31, 2014 and 2013, the Company and its Bank subsidiary both exceeded minimum regulatory capital requirements as specified in the tables below.
 
 
 
 
 
 
 
 
 
 
Minimum for capital
 
 
 
Actual
 
 
adequacy purposes
 
The Company:
 
Amount
 
Ratio
 
 
Amount
 
Ratio
 
December 31, 2014:
 
(dollars in thousands)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Capital (to Risk-Weighted Assets)
 
$
107,018
 
 
17.70
%
 
$
48,302
 
 
8.00
%
Tier 1 Capital (to Risk-Weighted Assets)
 
 
100,174
 
 
16.56
%
 
 
24,191
 
 
4.00
%
Tier 1 Capital (to Average Assets)
 
 
100,174
 
 
13.10
%
 
 
30,659
 
 
4.00
%
 
 
 
 
 
 
 
 
 
 
Minimum for capital
 
 
 
Actual
 
 
adequacy purposes
 
 
 
Amount
 
Ratio
 
 
Amount
 
Ratio
 
December 31, 2013:
 
(dollars in thousands)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Capital (to Risk-Weighted Assets)
 
$
72,676
 
 
19.26
%
 
$
30,187
 
 
8.00
%
Tier 1 Capital (to Risk-Weighted Assets)
 
 
67,930
 
 
18.00
%
 
 
15,093
 
 
4.00
%
Tier 1 Capital (to Average Assets)
 
 
67,930
 
 
12.62
%
 
 
21,523
 
 
4.00
%
 
Select Bank & Trust Company’s actual capital amounts and ratios are presented in the table below as of December 31, 2014 and 2013:
 
 
 
 
 
 
 
 
 
 
 
 
 
Minimum to be well
 
 
 
 
 
 
 
 
 
 
Minimum for capital
 
 
capitalized under prompt
 
 
 
Actual
 
 
adequacy purposes
 
 
corrective action provisions
 
The Bank:
 
Amount
 
Ratio
 
 
Amount
 
Ratio
 
 
Amount
 
Ratio
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2014:
 
(dollars in thousands)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Capital (to Risk-Weighted Assets)
 
$
103,495
 
 
17.13
%
 
$
48,340
 
 
8.00
%
 
 
60,425
 
 
10.00
%
Tier 1 Capital (to Risk-Weighted Assets)
 
 
96,651
 
 
16.00
%
 
 
24,170
 
 
4.00
%
 
 
36,255
 
 
6.00
%
Tier 1 Capital (to Average Assets)
 
 
96,651
 
 
12.64
%
 
 
30,659
 
 
4.00
%
 
 
38,324
 
 
5.00
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Minimum to be well
 
 
 
 
 
 
 
 
 
 
Minimum for capital
 
capitalized under prompt
 
 
 
Actual
 
 
adequacy purposes
 
corrective action provisions
 
The Bank:
 
Amount
 
Ratio
 
 
Amount
 
Ratio
 
Amount
 
Ratio
 
December 31, 2013:
 
(dollars in thousands)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Capital (to Risk-Weighted Assets)
 
$
71,121
 
 
18.89
%
 
$
30,122
 
 
8.00
%
$
37,652
 
 
10.00
%
Tier 1 Capital (to Risk-Weighted Assets)
 
 
66,385
 
 
17.63
%
 
 
15,061
 
 
4.00
%
 
22,591
 
 
6.00
%
Tier 1 Capital (to Average Assets)
 
 
66,385
 
 
12.34
%
 
 
21,523
 
 
4.00
%
 
26,904
 
 
5.00
%