Capital Requirements and Restriction on Retained Earnings (Tables)

12 Months Ended

Dec. 31, 2014

Actual Capital Levels and Minimum Required Levels

The Company’s and Citizens’ actual capital levels and minimum required levels at December 31, 2014 and 2013 were as follows.


	Actual					For Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Purposes
	Amount		Ratio			Amount		Ratio			Amount		Ratio
2014
Total Capital to risk-weighted assets
Consolidated	$	131,581		14.7	%	$	71,609		8.0	%		n/a		n/a
Citizens		111,470		12.5			71,341		8.0		$	89,176		10.0	%
Tier I (Core) Capital to risk-weighted assets
Consolidated		120,334		13.4			35,921		4.0			n/a		n/a
Citizens		100,259		11.2			35,807		4.0			53,710		6.0
Tier I (Core) Capital to average assets
Consolidated		120,334		10.3			46,732		4.0			n/a		n/a
Citizens		100,259		8.6			46,632		4.0			58,290		5.0

2013
Total Capital to risk-weighted assets
Consolidated	$	143,628		17.1	%	$	67,194		8.0	%		n/a		n/a
Citizens		104,884		12.5			67,126		8.0		$	83,907		10.0	%
Tier I (Core) Capital to risk-weighted assets
Consolidated		133,041		15.8			33,681		4.0			n/a		n/a
Citizens		94,302		11.2			33,679		4.0			50,519		6.0
Tier I (Core) Capital to average assets
Consolidated		133,041		11.6			45,876		4.0			n/a		n/a
Citizens		94,302		8.3			45,447		4.0			56,808		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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