| Schedule of Bank Capital Amount and Ratio |
The Company and the Bank’s capital amounts and ratios are also presented in the following table at December 31, 2014 and 2013 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Actual
|
|
Required for Capital Adequacy Purposes
|
|
Required in Order to Be Well Capitalized Under PCA
|
|
|
|
Amount
|
|
Ratio
|
|
|
Amount
|
|
Ratio
|
|
|
Amount
|
|
Ratio
|
|
As of December 31, 2014
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total capital to risk weighted assets:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated
|
$
|
771,441
|
|
13.40%
|
|
$
|
460,562
|
|
8.00%
|
|
|
NA
|
|
NA
|
|
Union Bank & Trust
|
|
745,125
|
|
13.00%
|
|
|
458,538
|
|
8.00%
|
|
$
|
573,173
|
|
10.00%
|
|
Tier 1 capital to risk weighted assets:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated
|
|
735,611
|
|
12.77%
|
|
|
230,418
|
|
4.00%
|
|
|
NA
|
|
NA
|
|
Union Bank & Trust
|
|
709,309
|
|
12.37%
|
|
|
229,364
|
|
4.00%
|
|
|
344,046
|
|
6.00%
|
|
Tier 1 capital to average adjusted assets:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated
|
|
735,611
|
|
10.63%
|
|
|
276,806
|
|
4.00%
|
|
|
NA
|
|
NA
|
|
Union Bank & Trust
|
|
709,309
|
|
10.30%
|
|
|
275,460
|
|
4.00%
|
|
|
344,325
|
|
5.00%
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
As of December 31, 2013
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total capital to risk weighted assets:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated
|
$
|
465,360
|
|
14.17%
|
|
$
|
262,730
|
|
8.00%
|
|
|
NA
|
|
NA
|
|
Union Bank & Trust
|
|
442,784
|
|
13.56%
|
|
|
261,229
|
|
8.00%
|
|
$
|
326,537
|
|
10.00%
|
|
Tier 1 capital to risk weighted assets:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated
|
|
428,490
|
|
13.05%
|
|
|
131,338
|
|
4.00%
|
|
|
NA
|
|
NA
|
|
Union Bank & Trust
|
|
405,925
|
|
12.43%
|
|
|
130,628
|
|
4.00%
|
|
|
195,941
|
|
6.00%
|
|
Tier 1 capital to average adjusted assets:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated
|
|
428,490
|
|
10.70%
|
|
|
160,183
|
|
4.00%
|
|
|
NA
|
|
NA
|
|
Union Bank & Trust
|
|
405,925
|
|
10.19%
|
|
|
159,342
|
|
4.00%
|
|
|
199,178
|
|
5.00%
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|