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Regulatory Capital Requirements
 12 Months Ended
Dec. 31, 2013
Regulatory Capital Requirements [Abstract]  
Regulatory Capital Requirements
Regulatory Capital Requirements

The Company and its bank subsidiary are subject to various regulatory capital requirements administered by the FRB and the OCC. Failure to meet minimum capital requirements can result in mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. These capital requirements represent quantitative measures of the Company’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Company’s capital classification is also subject to qualitative judgments by its regulators about components, risk weightings and other factors.

Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios of total and Tier I capital (as defined in the applicable regulations) to risk-weighted assets (as defined in the applicable regulations) and of Tier I capital to average assets (as defined in the applicable regulations). In addition, the OCC requires a minimum level of $2.5 million of Tier I capital to be maintained at Acadia Trust. Management believes that, as of December 31, 2013, the Company and its subsidiaries meet all capital requirements to which they are subject.

As of December 31, 2013, the Company and the Bank were categorized by its supervisory regulatory agencies as "well capitalized". To be categorized as "well capitalized", the Company and Bank must maintain minimum total risk-based, Tier I risk-based and Tier I leverage ratios as set forth in the table below. There are no conditions or events that management believes have changed the Company or Bank’s respective capital categories.

The Bank’s actual capital amounts and ratios are presented in the following table:

 
Actual
Regulatory Capital
 
Minimum Regulatory
Capital Required
 
Minimum Regulatory
Provision To Be
"Well Capitalized"
  
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
As of December 31, 2013:
  

 
  

 
  

 
  

 
  

 
 
Total risk-based capital
$
228,375

 
14.80
%
 
$
123,421

 
8.00
%
 
$
154,276

 
10.00
%
Tier I capital
209,062

 
13.55
%
 
61,710

 
4.00
%
 
92,566

 
6.00
%
Tier I leverage capital ratio
209,062

 
8.39
%
 
101,439

 
4.00
%
 
126,798

 
5.00
%
As of December 31, 2012:
  

 
  

 
  

 
  

 
  

 
 
Total risk-based capital
$
213,435

 
14.04
%
 
$
121,625

 
8.00
%
 
$
152,031

 
10.00
%
Tier I capital
194,381

 
12.79
%
 
60,812

 
4.00
%
 
91,219

 
6.00
%
Tier I leverage capital ratio
194,381

 
7.97
%
 
99,347

 
4.00
%
 
124,184

 
5.00
%


The Company’s actual capital amounts and ratios are presented in the following table:

 
Actual
Regulatory Capital
 
Minimum Regulatory
Capital Required
 
Minimum Regulatory
Provision To Be
"Well Capitalized"
  
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
As of December 31, 2013:
  

 
  

 
  

 
  

 
  

 
  

Total risk-based capital
$
256,648

 
16.45
%
 
$
124,787

 
8.00
%
 
$
155,983

 
10.00
%
Tier I capital
237,124

 
15.20
%
 
62,393

 
4.00
%
 
93,590

 
6.00
%
Tier I leverage capital ratio
237,124

 
9.43
%
 
102,551

 
4.00
%
 
128,188

 
5.00
%
As of December 31, 2012:
  

 
  

 
  

 
  

 
  

 
  

Total risk-based capital
$
239,831

 
15.56
%
 
$
123,293

 
8.00
%
 
$
154,116

 
10.00
%
Tier I capital
220,519

 
14.31
%
 
61,646

 
4.00
%
 
92,469

 
6.00
%
Tier I leverage capital ratio
220,519

 
8.94
%
 
100,770

 
4.00
%
 
125,963

 
5.00
%