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Note 12 - Minimum Regulatory Capital Requirement
 12 Months Ended
Dec. 31, 2013
Disclosure Text Block [Abstract]  
Regulatory Capital Requirements under Banking Regulations [Text Block]

Note 12: Minimum Regulatory Capital Requirement


The Company (on a consolidated basis) and its subsidiary bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s and the bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies.


Quantitative measures established by regulation to ensure capital adequacy require the Company and the bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as defined). Management believes, as of December 31, 2013 and 2012, that the Company and the bank meet all capital adequacy requirements to which they are subject.


As of December 31, 2013, the most recent notifications from the Office of the Comptroller of the Currency categorized the bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios, as set forth in the following tables. There are no conditions or events since these notifications that management believes have changed the bank’s category. The Company’s and the bank’s actual capital amounts and ratios as of December 31, 2013 and 2012 are also presented in the following tables.


   

Actual

   

Minimum Capital
Requirement

   

Minimum To Be Well
Capitalized Under
Prompt Corrective
Action Provisions

 
   

Amount

   

Ratio

   

Amount

   

Ratio

   

Amount

   

Ratio

 

December 31, 2013

                                               

Total capital (to risk weighted assets)

                                               

NBI consolidated

  $ 162,763       23.6

%

  $ 55,192       8.00

%

 

N/A

   

N/A

 

NBB

    160,049       23.3

%

    54,980       8.00

%

  $ 68,726       10.00

%

Tier 1 capital (to risk weighted assets)

                                               

NBI consolidated

  $ 154,536       22.4

%

  $ 27,596       4.00

%

 

N/A

   

N/A

 

NBB

    151,822       22.1

%

    27,490       4.00

%

  $ 41,235       6.00

%

Tier 1 capital (to average assets)

                                               

NBI consolidated

  $ 154,536       14.1

%

  $ 43,946       4.00

%

 

N/A

   

N/A

 

NBB

    151,822       13.8

%

    43,904       4.00

%

  $ 54,880       5.00

%


   

Actual

   

Minimum Capital
Requirement

   

Minimum To Be Well
Capitalized Under
Prompt Corrective
Action Provisions

 
   

Amount

   

Ratio

   

Amount

   

Ratio

   

Amount

   

Ratio

 

December 31, 2012

                                               

Total capital (to risk weighted assets)

                                               

NBI consolidated

  $ 151,824       22.4

%

  $ 54,225       8.00

%

 

N/A

   

N/A

 

NBB

    148,684       22.0

%

    53,984       8.00

%

  $ 67,481       10.00

%

Tier 1 capital (to risk weighted assets)

                                               

NBI consolidated

  $ 143,472       21.2

%

  $ 27,113       4.00

%

 

N/A

   

N/A

 

NBB

    140,335       20.8

%

    26,992       4.00

%

  $ 40,488       6.00

%

Tier 1 capital (to average assets)

                                               

NBI consolidated

  $ 143,472       13.3

%

  $ 43,010       4.00

%

 

N/A

   

N/A

 

NBB

    140,335       13.1

%

    42,973       4.00

%

  $ 53,716       5.00

%