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Note 11 - Regulatory and Operational Matters

9 Months Ended

Sep. 30, 2015

Disclosure Text Block [Abstract]

Regulatory Capital Requirements under Banking Regulations [Text Block]

Note 11: Regulatory and Operational Matters

The Company’s and the Bank’s capital and capital ratios at September 30, 2015 and December 31, 2014 were:

										Capital Requirements
		Actual								Minimum								Well Capitalized
(dollars in thousands)		Amount				Ratio				Amount				Ratio				Amount				Ratio
September 30, 2015
The Company:
Tier 1 Leverage Capital (to Average Assets)		$	58,572				9.47	%		$	24,745				4.00	%		$	30,931				5.00	%
Common Equity Tier 1 Capital (to Risk Weighted Assets)			50,572				9.83	%			23,146				4.50	%			33,433				6.50	%
Tier 1 Capital (to Risk Weighted Assets)			58,572				11.39	%			30,861				6.00	%			41,148				8.00	%
Total Capital (to Risk Weighted Assets)			63,820				12.41	%			41,148				8.00	%			51,435				10.00	%
The Bank:
Tier 1 Leverage Capital (to Average Assets)		$	58,844				9.52	%		$	24,736				4.00	%		$	30,920				5.00	%
Common Equity Tier 1 Capital (to Risk Weighted Assets)			58,844				11.48	%			23,057				4.50	%			33,305				6.50	%
Tier 1 Capital (to Risk Weighted Assets)			58,844				11.48	%			30,743				6.00	%			40,991				8.00	%
Total Capital (to Risk Weighted Assets)			64,093				12.51	%			40,991				8.00	%			51,238				10.00	%
December 31, 2014
The Company:
Tier 1 Leverage Capital (to Average Assets)		$	58,218				9.62	%		$	24,210				4.00	%		$	30,262				5.00	%
Tier 1 Capital (to Risk Weighted Assets)			58,218				12.98	%			17,942				4.00	%			26,913				6.00	%
Total Capital (to Risk Weighted Assets)			63,142				14.08	%			35,884				8.00	%			44,855				10.00	%
The Bank:
Tier 1 Leverage Capital (to Average Assets)		$	58,227				9.63	%		$	24,198				4.00	%		$	30,247				5.00	%
Tier 1 Capital (to Risk Weighted Assets)			58,227				12.98	%			17,946				4.00	%			26,918				6.00	%
Total Capital (to Risk Weighted Assets)			63,151				14.08	%			35,891				8.00	%			44,864				10.00	%

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- Definition

The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.

+ References

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