REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2013

Summary of Actual Capital Levels and Minimum Levels

Our actual capital levels (dollars in thousands) and minimum required levels were:


											Minimum Required
											to be Well
						Minimum Required					Capitalized Under
						for Capital					Prompt Corrective
	Actual					Adequacy Purposes					Action Regulations
	Amount		Ratio			Amount		Ratio			Amount		Ratio
2013
Total capital (to risk weighted assets)
Consolidated	$	193,925		15.9	%	$	97,498		8.0	%	$	NA		NA
Bank		190,493		15.7			97,329		8.0			121,662		10.0	%
Tier 1 capital (to risk weighted assets)
Consolidated		178,598		14.7			48,749		4.0			NA		NA
Bank		175,192		14.4			48,665		4.0			72,997		6.0
Tier 1 capital (to average assets)
Consolidated		178,598		12.5			57,006		4.0			NA		NA
Bank		175,192		12.3			56,860		4.0			71,075		5.0
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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