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Note 14 - Regulatory Capital
 12 Months Ended
Dec. 31, 2015
Disclosure Text Block [Abstract]  
Regulatory Capital Requirements under Banking Regulations [Text Block]

14. Regulatory Capital


The federal banking agencies have substantially amended the regulatory risk-based capital rules applicable to the Bank. The amendments implemented the “Basel III” regulatory capital reforms and changes required by the Dodd-Frank Act. The new rules apply regulatory capital requirements to the Bank. The amended rules included new minimum risk-based capital and leverage ratios, which became effective in January 2015, with certain requirements to be phased in beginning in 2016, and refined the definition of what constitutes “capital” for purposes of calculating those ratios.


The new minimum capital level requirements applicable to the Bank include: (i) a new common equity Tier 1 risk-based capital ratio of 4.5%; (ii) a Tier 1 risk-based capital ratio of 6% (increased from 4%); (iii) a total risk-based capital ratio of 8% (unchanged from current rules); and (iv) a Tier 1 leverage ratio of 4% for all institutions. The amended rules also establish a “capital conservation buffer” of 2.5% above the new regulatory minimum capital ratios, and would result in the following minimum ratios: (i) a common equity Tier 1 risk-based capital ratio of 7.0%; (ii) a Tier 1 risk-based capital ratio of 8.5%; and (iii) a total risk-based capital ratio of 10.5%. The new capital conservation buffer requirement will be phased in beginning in January 2016 at 0.625% of risk-weighted assets and will increase each year until fully implemented in January 2019. An institution will be subject to limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses if its capital level falls below the buffer amount. These limitations will establish a maximum percentage of eligible retained income that could be utilized for such actions.


As of December 31, 2015, the Bank continues to be categorized as “well-capitalized” under the prompt corrective action regulations and continues to exceed all regulatory capital requirements.


Set forth below is a summary of the Bank’s compliance with banking regulatory capital standards.


    December 31, 2015   December 31, 2014
    Amount   Percent of
Assets		   Amount   Percent of
Assets
    (Dollars in thousands)
                 
Tier I (leverage) capital:                                
Capital level   $ 494,690       8.89 %   $ 472,251       9.63 %
Requirement to be well capitalized     278,175       5.00       245,254       5.00  
Excess     216,515       3.89       226,997       4.63  
                                 
Common Equity Tier I risk-based capital:                                
Capital level   $ 494,690       12.62 %      n/a         n/a   
Requirement to be well capitalized     254,768       6.50        n/a         n/a   
Excess     239,922       6.12        n/a         n/a   
                                 
Tier I risk-based capital:                                
Capital level   $ 494,690       12.62 %   $ 472,251       13.87 %
Requirement to be well capitalized     313,560       8.00       204,354       6.00  
Excess     181,130       4.62       267,897       7.87  
                                 
Total risk-based capital:                                
Capital level   $ 516,226       13.17 %   $ 497,347       14.60 %
Requirement to be well capitalized     391,950       10.00       340,589       10.00  
Excess     124,276       3.17       156,758       4.60  

The Holding Company is subject to the same regulatory capital requirements as the Bank. As of December 31, 2015, the Holding Company continues to be categorized as “well-capitalized” under the prompt corrective action regulations and continues to exceed all regulatory capital requirements.


Set forth below is a summary of the Holding Company’s compliance with banking regulatory capital standards.


    December 31, 2015   December 31, 2014
    Amount   Percent of
Assets		   Amount   Percent of
Assets
    (Dollars in thousands)
                 
Tier I (leverage) capital:                                
Capital level   $ 490,919       8.84 %   $ 471,233       9.62 %
Requirement to be well capitalized     277,611       5.00       244,960       5.00  
Excess     213,308       3.84       226,273       4.62  
                                 
Common Equity Tier I risk-based capital:                                
Capital level   $ 462,883       11.83 %      n/a         n/a   
Requirement to be well capitalized     254,335       6.50        n/a         n/a   
Excess     208,548       5.33        n/a         n/a   
                                 
Tier I risk-based capital:                                
Capital level   $ 490,919       12.55 %   $ 471,233       13.87 %
Requirement to be well capitalized     313,028       8.00       203,878       6.00  
Excess     177,891       4.55       267,355       7.87  
                                 
Total risk-based capital:                                
Capital level   $ 512,454       13.10 %   $ 496,329       14.61 %
Requirement to be well capitalized     391,285       10.00       339,797       10.00  
Excess     121,169       3.10       156,532       4.61