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Minimum Regulatory Capital Requirement
12 Months Ended
Dec. 31, 2011
Minimum Regulatory Capital Requirement [Abstract]  
Minimum Regulatory Capital Requirement
Note 12: Minimum Regulatory Capital Requirement
The Company (on a consolidated basis) and its subsidiary bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s and the bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies.
Quantitative measures established by regulation to ensure capital adequacy require the Company and the bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as defined). Management believes, as of December 31, 2011 and 2010, that the Company and the bank meet all capital adequacy requirements to which they are subject.
As of December 31, 2011, the most recent notifications from the Office of the Comptroller of the Currency categorized the bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios, as set forth in the following tables. There are no conditions or events since these notifications that management believes have changed the bank’s category. The Company’s and the bank’s actual capital amounts and ratios as of December 31, 2011 and 2010 are also presented in the following tables.

   
Actual
 
Minimum Capital
Requirement
 
Minimum To Be Well
Capitalized Under
Prompt Corrective
Action Provisions
 
   
Amount
 
Ratio
 
Amount
Ratio
 
Amount
Ratio
 
December 31, 2011
                           
Total capital (to risk weighted assets)
                           
NBI consolidated
 
$
140,228
 
20.9
%
$
53,615
8.0
%
 
N/A
N/A
 
NBB
   
136,932
 
20.5
%
 
53,348
8.0
%
$
66,684
10.0
%
Tier 1 capital (to risk weighted assets)
                           
NBI consolidated
 
$
132,160
 
19.7
%
$
26,807
4.0
%
 
N/A
 N/A
 
NBB
   
128,864
 
19.3
%
 
26,674
4.0
%
$
40,011
6.0
%
Tier 1 capital (to average assets)
                           
NBI consolidated
 
$
132,160
 
12.7
%
$
41,598
4.0
%
 
N/A
N/A
 
NBB
   
128,864
 
12.5
%
 
41,293
4.0
%
$
51,617
5.0
%
   
Actual
 
Minimum Capital
Requirement
 
 
Minimum To Be Well
 Capitalized Under
Prompt Corrective
Action Provisions
 
   
Amount
 
Ratio
 
Amount
Ratio
 
Amount
Ratio
 
December 31, 2010
                           
Total capital (to risk weighted assets)
                           
NBI consolidated
 
$
127,958
 
19.4
%
$
52,883
8.0
%
 
N/A
N/A
 
NBB
   
124,758
 
19.0
%
 
52,594
8.0
%
$
65,742
10.0
%
Tier 1 capital (to risk weighted assets)
                           
NBI consolidated
 
$
120,294
 
18.2
%
$
26,441
4.0
%
 
N/A
 N/A
 
NBB
   
117,094
 
17.8
%
 
26,297
4.0
%
$
39,445
6.0
%
Tier 1 capital (to average assets)
                           
NBI consolidated
 
$
120,294
 
12.1
%
$
39,848
4.0
%
 
N/A
N/A
 
NBB
   
117,094
 
11.9
%
 
39,516
4.0
%
$
49,395
5.0
%