The Company’s and the Bank’s actual regulatory capital amounts and ratios for 2014 and 2013 are presented in the following tables.


	At December 31, 2014
(dollars in thousands)	Actual		Required for Capital Adequacy Purposes		To be Considered Well Capitalized Under Prompt Corrective Action
Total Capital (to risk weighted assets)
The Company	$ 137,474	15.21%	$ 72,314	8.00%
The Bank	$ 135,753	15.05%	$ 72,171	8.00%	$ 90,214	10.00%

Tier 1 Capital (to risk weighted assets)
The Company	$ 128,937	14.26%	$ 36,157	4.00%
The Bank	$ 127,216	14.10%	$ 36,085	4.00%	$ 54,128	6.00%

Tier 1 Capital (to average assets)
The Company	$ 128,937	12.24%	$ 42,133	4.00%
The Bank	$ 127,216	12.10%	$ 42,065	4.00%	$ 52,581	5.00%


	At December 31, 2013
(dollars in thousands)	Actual		Required for Capital Adequacy Purposes		To be Considered Well Capitalized Under Prompt Corrective Action
Total Capital (to risk weighted assets)
The Company	$ 131,936	15.62%	$ 67,561	8.00%
The Bank	$ 131,216	15.57%	$ 67,433	8.00%	$ 84,292	10.00%

Tier 1 Capital (to risk weighted assets)
The Company	$ 123,787	14.66%	$ 33,781	4.00%
The Bank	$ 123,067	14.60%	$ 33,717	4.00%	$ 50,575	6.00%

Tier 1 Capital (to average assets)
The Company	$ 123,787	12.50%	$ 39,597	4.00%
The Bank	$ 123,067	12.45%	$ 39,537	4.00%	$ 49,422	5.00%