Regulatory Restrictions (Tables)

12 Months Ended

Dec. 31, 2012

Notes to Financial Statements

Capital ratios

Also see Note 19 for discussion of preferred stock transactions that have affected the Company’s capital ratios.

	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
($ in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
					(must equal or exceed)				(must equal or exceed)
As of December 31, 2012
Total Capital Ratio
Company	$	359,554		16.67%	$	172,572		8.00%	$	N/A		N/A
Bank		358,098		16.61%		172,424		8.00%		215,530		10.00%
Tier I Capital Ratio
Company		332,350		15.41%		86,286		4.00%		N/A		N/A
Bank		330,916		15.35%		86,212		4.00%		129,318		6.00%
Leverage Ratio
Company		332,350		10.24%		129,820		4.00%		N/A		N/A
Bank		330,916		10.20%		129,742		4.00%		162,178		5.00%
As of December 31, 2011
Total Capital Ratio
Company	$	355,897		16.72%	$	170,329		8.00%	$	N/A		N/A
Bank		354,235		16.65%		170,180		8.00%		212,725		10.00%
Tier I Capital Ratio
Company		329,100		15.46%		85,165		4.00%		N/A		N/A
Bank		327,461		15.39%		85,090		4.00%		127,635		6.00%
Leverage Ratio
Company		329,100		10.21%		128,910		4.00%		N/A		N/A
Bank		327,461		10.17%		128,831		4.00%		161,039		5.00%