text: 14. REGULATORY MATTERS: 
  
  The Company is subject to various regulatory capital requirements administered by the federal banking agencies. 
  Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, 
  actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. 
  Under capital adequacy guidelines and the regulatory framework for prompt corrective action, each of Bankshares’ 
  subsidiaries must meet specific capital guidelines that involve quantitative measures of the subsidiaries’ assets, 
  liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The subsidiaries’ 
  capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk 
  weightings, and other factors. 