Regulatory matters (Tables)

12 Months Ended

Dec. 31, 2014

Schedule of Bank's Capital Amounts and Ratios

The Company and Peoples Bank’s actual capital ratios at December 31, 2014 and 2013, and the minimum ratios required for capital adequacy purposes and to be well capitalized under the prompt corrective action provisions are as follows:


	Actual					Minimum For Capital Adequacy Purposes					Minimum to be Well Capitalized under Prompt Corrective Action Provisions
December 31, 2014	Amount		Ratio			Amount		Ratio			Amount		Ratio
Tier 1 capital to risk-weighted assets:
Consolidated	$	178,061		14.75	%	$	48,276		4.00	%
Peoples Bank		171,984		14.28			48,165		4.00		$	72,247		6.00	%
Total capital to risk-weighted assets:
Consolidated		188,457		15.61			96,552		8.00
Peoples Bank		182,380		15.15			96,330		8.00			120,412		10.00
Tier 1 capital to average assets:
Consolidated		178,061		10.76			66,168		4.00
Peoples Bank	$	171,984		10.42	%	$	65,993		4.00	%	$	82,492		5.00	%


	Actual					Minimum For Capital Adequacy Purposes					Minimum to be Well Capitalized under Prompt Corrective Action Provisions
December 31, 2013	Amount		Ratio			Amount		Ratio			Amount		Ratio
Tier 1 capital to risk-weighted assets:
Consolidated	$	163,609		13.62	%	$	48,040		4.00	%
Peoples Bank		157,758		13.09			48,192		4.00		$	72,228		6.00	%
Total capital to risk-weighted assets:
Consolidated		171,677		14.29			96,080		8.00
Peoples Bank		165,836		13.76			96,384		8.00			120,480		10.00
Tier 1 capital to average assets:
Consolidated		163,609		10.12			64,664		4.00
Peoples Bank	$	157,758		9.79	%	$	64,484		4.00	%	$	80,605		5.00	%

- 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.

+ References+ Details