Finward Bancorp Annual report pursuant to Section 13 and 15(d)

Annual report pursuant to Section 13 and 15(d)

Regulatory Capital (Tables)

Regulatory Capital (Tables)

12 Months Ended

Dec. 31, 2012

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]

Actual capital levels (in millions), minimum required levels and levels needed to be classified as well capitalized for the Bancorp are summarized below:

											Minimum
											Required To Be
											Well Capitalized
						Minimum Required					Under Prompt
						For Capital					Corrective
	Actual					Adequacy Purposes					Action Regulations
(Dollars in millions)	Amount		Ratio			Amount		Ratio			Amount		Ratio
2012
Total capital to risk-weighted assets	$	70.1		14.6	%	$	38.3		8.0	%	$	47.9		10.0	%
Tier 1 capital to risk-weighted assets	$	64.1		13.4	%	$	19.1		4.0	%	$	28.7		6.0	%
Tier 1 capital to adjusted average assets	$	64.1		9.4	%	$	20.5		3.0	%	$	34.2		5.0	%

2011
Total capital to risk-weighted assets	$	64.9		14.3	%	$	36.2		8.0	%	$	45.2		10.0	%
Tier 1 capital to risk-weighted assets	$	59.2		13.1	%	$	18.1		4.0	%	$	27.1		6.0	%
Tier 1 capital to adjusted average assets	$	59.2		9.2	%	$	19.4		3.0	%	$	32.3		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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