Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2014

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
March 31, 2014
Total risk-based capital (1)
Consolidated	$	258,026	13.72	%	$	150,452	8.00	%	NA		NA
Bank	248,296		13.24	%	150,028		8.00	%	$	187,535	10.00	%
Tier I risk-based capital (1)
Consolidated	$	234,459	12.47	%	$	75,207	4.00	%	NA		NA
Bank	224,796		11.99	%	74,994		4.00	%	$	112,492	6.00	%
Leverage (2)
Consolidated	$	234,459	10.00	%	$	70,338	3.00	%	NA		NA
Bank	224,796		9.61	%	70,176		3.00	%	$	116,959	5.00	%
December 31, 2013
Total risk-based capital (1)
Consolidated	$	252,171	13.54	%	$	148,993	8.00	%	NA		NA
Bank	239,577		12.90	%	148,575		8.00	%	$	185,719	10.00	%
Tier I risk-based capital (1)
Consolidated	$	228,827	12.29	%	$	74,476	4.00	%	NA		NA
Bank	219,299		11.65	%	75,296		4.00	%	$	112,944	6.00	%
Leverage (2)
Consolidated	$	228,827	9.75	%	$	70,408	3.00	%	NA		NA
Bank	219,299		9.24	%	71,201		3.00	%	$	118,668	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.