Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2013

Regulatory Matters

Schedule of the risk based capital amounts and ratios

	Actual				Minimum for adequately capitalized			Minimum for well capitalized
(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
September 30, 2013
Total risk-based capital (1)
Consolidated	$	276,936	14.91	%	$	148,591	8.00	%	NA		NA
Bank	231,410		12.51	%	147,984		8.00	%	$	184,980	10.00	%
Tier I risk-based capital (1)
Consolidated	$	253,654	13.66	%	$	74,276	4.00	%	NA		NA
Bank	208,220		11.26	%	73,968		4.00	%	$	110,952	6.00	%
Leverage (2)
Consolidated	$	253,654	11.21	%	$	67,882	3.00	%	NA		NA
Bank	208,220		9.23	%	67,677		3.00	%	$	112,795	5.00	%
December 31, 2012
Total risk-based capital (1)
Consolidated	$	250,837	14.42	%	$	139,161	8.00	%	NA		NA
Bank	220,133		12.70	%	138,666		8.00	%	$	173,333	10.00	%
Tier I risk-based capital (1)
Consolidated	$	228,972	13.17	%	$	69,544	4.00	%	NA		NA
Bank	198,339		11.44	%	69,349		4.00	%	$	104,024	6.00	%
Leverage (2)
Consolidated	$	228,972	10.79	%	$	63,662	3.00	%	NA		NA
Bank	198,339		9.37	%	63,502		3.00	%	$	105,837	5.00	%

(1) Ratio is computed in relation to risk-weighted assets.

(2) Ratio is computed in relation to average assets.

NA — Not applicable.  Regulatory framework does not define well capitalized for holding companies.