REGULATORY MATTERS (Tables)

9 Months Ended

Sep. 30, 2013

Summary of Actual Capital Levels and Minimum Levels

Our actual capital levels (dollars in thousands) and the minimum levels required to be categorized as adequately and well capitalized were:


	Actual					Minimum Required for Capital Adequacy Purposes					Minimum Required to be Well Capitalized Under Prompt Corrective Action Regulations
	Amount		Ratio			Amount		Ratio			Amount		Ratio
September 30, 2013
Total capital (to risk weighted assets)
Consolidated	$	186,699		15.3	%	$	97,366		8.0	%	$	NA		NA
Bank		186,020		15.3			97,317		8.0			121,646		10.0	%
Tier 1 capital (to risk weighted assets)
Consolidated		171,362		14.1			48,683		4.0			NA		NA
Bank		170,691		14.0			48,659		4.0			73,025		6.0
Tier 1 capital (to average assets)
Consolidated		171,362		12.6			54,537		4.0			NA		NA
Bank		170,691		12.5			54,510		4.0			68,171		5.0

December 31, 2012
Total capital (to risk weighted assets)
Consolidated	$	173,323		14.6	%	$	94,738		8.0	%	$	NA		NA
Bank		173,828		14.7			94,629		8.0			118,286		10.0	%
Tier 1 capital (to risk weighted assets)
Consolidated		158,349		13.4			47,369		4.0			NA		NA
Bank		158,871		13.4			47,315		4.0			70,972		6.0
Tier 1 capital (to average assets)
Consolidated		158,349		11.3			55,995		4.0			NA		NA
Bank		158,871		11.4			55,937		4.0			69,922		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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