Capital Requirements and Restrictions on Retained Earnings (Tables)

12 Months Ended

Dec. 31, 2014

Summary of Actual and Required Capital Amounts and Ratios

Actual and required capital amounts and ratios are presented below as of December 31, 2014 and 2013:


	Actual					For Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
December 31, 2014
Total Capital to Risk Weighted Assets
Consolidated		$199,034		14.30	%		$111,374		8.0	%		N/A
Bank		$180,597		13.16	%		$109,758		8.0	%		$137,198		10.0	%

Tier 1 (Core) Capital to Risk Weighted Assets
Consolidated		$181,661		13.05	%		$55,687		4.0	%		N/A
Bank		$164,835		12.01	%		$54,879		4.0	%		$82,319		6.0	%

Tier 1 (Core) Capital to Average Assets
Consolidated		$181,661		8.39	%		$86,641		4.0	%		N/A
Bank		$164,835		7.71	%		$85,503		4.0	%		$106,878		5.0	%

December 31, 2013
Total Capital to Risk Weighted Assets
Consolidated		$183,984		13.72	%		$107,316		8.0	%		N/A
Bank		$166,440		12.57	%		$105,912		8.0	%		$132,390		10.0	%

Tier 1 (Core) Capital to Risk Weighted Assets
Consolidated		$167,773		12.51	%		$53,658		4.0	%		N/A
Bank		$151,585		11.45	%		$52,956		4.0	%		$79,434		6.0	%

Tier 1 (Core) Capital to Average Assets
Consolidated		$167,773		7.96	%		$84,332		4.0	%		N/A
Bank		$151,585		7.39	%		$82,078		4.0	%		$102,597		5.0	%

- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

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