Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2015

Regulatory Matters

Schedule of the risk based capital amounts and ratios

(Dollars in thousands)	Actual				Minimum for adequately capitalized				Minimum for well capitalized
March 31, 2015	Amount		Ratio		Amount		Ratio		Amount		Ratio
Total risk-based capital (1)
Consolidated	$	287,402	13.82	%	$	166,369	8.00	%	NA		NA
Bank	281,890		13.58	%	166,062		8.00	%	$	207,577	10.00	%
Common Equity Tier 1 risk-based capital (2)
Consolidated	$	262,520	12.63	%	$	93,534	4.50	%	NA		NA
Bank	257,008		12.38	%	93,420		4.50	%	$	124,560	6.00	%
Tier 1 risk-based capital (1)
Consolidated	$	262,520	12.63	%	$	124,713	6.00	%	NA		NA
Bank	257,008		12.38	%	124,560		6.00	%	$	124,560	6.00	%
Leverage (3)
Consolidated	$	262,520	10.41	%	$	100,872	4.00	%	NA		NA
Bank	257,008		10.21	%	100,689		4.00	%	$	125,861	5.00	%

	Actual				Minimum for adequately capitalized				Minimum for well capitalized
December 31, 2014	Amount		Ratio		Amount		Ratio		Amount		Ratio
Total risk-based capital (1)
Consolidated	$	280,228	13.86	%	$	161,748	8.00	%	NA		NA
Bank	274,345		13.59	%	161,498		8.00	%	$	201,873	10.00	%
Tier 1 risk-based capital (1)
Consolidated	$	255,308	12.63	%	$	80,858	4.00	%	NA		NA
Bank	249,425		12.36	%	80,720		4.00	%	$	121,080	6.00	%
Leverage (3)
Consolidated	$	255,308	10.26	%	$	74,651	3.00	%	NA		NA
Bank	249,425		10.04	%	74,529		3.00	%	$	124,216	5.00	%

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

(2) Ratio became effective January 2015.

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

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