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Risk-Based Capital (Tables)
 6 Months Ended
Jun. 30, 2015
Risks and Uncertainties [Abstract]  
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]
Management believes that, as of June 30, 2015 and December 31, 2014, Bancorp and the Bank met all capital adequacy requirements to which they are subject.
 
 
 
 
 
 
 
 
 
To be well
 
 
 
 
 
 
 
 
 
capitalized under
 
 
 
 
 
 
 
 
 
the FDICIA
 
 
 
 
 
 
For capital
 
prompt corrective
 
 
 
Actual
 
adequacy purposes
 
action provisions
 
(dollars in thousands)
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
 
As of June 30, 2015:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total capital (to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Howard Bank
 
$
74,516
 
 
11.68
%
$
51,045
 
 
8.00
%
$
63,806
 
 
10.00
%
Howard Bancorp
 
$
88,284
 
 
13.82
%
$
51,111
 
 
8.00
%
 
N/A
 
 
 
 
Common equity tier 1 capital (to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Howard Bank
 
$
70,317
 
 
11.02
%
$
28,713
 
 
4.50
%
$
41,474
 
 
6.50
%
Howard Bancorp
 
$
84,085
 
 
13.16
%
$
28,750
 
 
4.50
%
 
N/A
 
 
 
 
Tier 1 capital (to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Howard Bank
 
$
70,317
 
 
11.02
%
$
38,284
 
 
6.00
%
$
51,045
 
 
8.00
%
Howard Bancorp
 
$
84,085
 
 
13.16
%
$
38,333
 
 
6.00
%
 
N/A
 
 
 
 
Tier 1 capital (to average assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(Leverage ratio)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Howard Bank
 
$
70,317
 
 
9.95
%
$
28,265
 
 
4.00
%
$
35,332
 
 
5.00
%
Howard Bancorp
 
$
84,085
 
 
11.90
%
$
28,270
 
 
4.00
%
 
N/A
 
 
 
 
As of December 31, 2014:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total capital (to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Howard Bank
 
$
61,393
 
 
10.69
%
$
45,932
 
 
8.00
%
$
57,415
 
 
10.00
%
Howard Bancorp
 
$
61,811
 
 
10.73
%
$
46,067
 
 
8.00
%
 
N/A
 
 
 
 
Tier 1 capital (to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Howard Bank
 
$
57,791
 
 
10.07
%
$
22,966
 
 
4.00
%
$
34,449
 
 
6.00
%
Howard Bancorp
 
$
58,208
 
 
10.11
%
$
23,033
 
 
4.00
%
 
N/A
 
 
 
 
Tier 1 capital (to average assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(Leverage ratio)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Howard Bank
 
$
57,791
 
 
8.54
%
$
27,073
 
 
4.00
%
$
33,842
 
 
5.00
%
Howard Bancorp
 
$
58,208
 
 
8.60
%
$
27,072
 
 
4.00
%
 
N/A