Regulatory matters (Tables)

12 Months Ended

Dec. 31, 2013

Schedule of Bank's Capital Amounts and Ratios

The Company and Peoples Bank’s actual capital ratios at December 31, 2013 and 2012, and the minimum ratios required for capital adequacy purposes and to be well capitalized under the prompt corrective action provisions are as follows:


	Actual					Minimum For Capital Adequacy Purposes					Minimum to be Well Capitalized under Prompt Corrective Action Provisions
December 31, 2013	Amount		Ratio			Amount		Ratio			Amount		Ratio
Tier 1 capital to risk-weighted assets:
Consolidated	$	163,092		13.59	%	$	48,009		4.00	%
Peoples Bank		156,731		13.02			48,161		4.00		$	72,241		6.00	%
Total capital to risk-weighted assets:
Consolidated		171,160		14.26			96,019		8.00
Peoples Bank		164,799		13.69			96,322		8.00			120,402		10.00
Tier 1 capital to average assets:
Consolidated		163,092		10.09			64,664		4.00
Peoples Bank	$	156,731		9.72	%	$	64,469		4.00	%	$	80,586		5.00	%


	Actual					Minimum For Capital Adequacy Purposes					Minimum to be Well Capitalized under Prompt Corrective Action Provisions
December 31, 2012	Amount		Ratio			Amount		Ratio			Amount		Ratio
Tier 1 capital to risk-weighted assets:
Consolidated	$	102,906		16.80	%	$	24,497		4.00	%
Peoples Bank		99,185		16.22			24,467		4.00		$	36,700		6.00	%
Total capital to risk-weighted assets:
Consolidated		109,978		17.96			48,994		8.00
Peoples Bank		106,135		17.35			48,934		8.00			61,167		10.00
Tier 1 capital to average assets:
Consolidated		102,906		11.50			35,799		4.00
Peoples Bank	$	99,185		11.14	%	$	35,621		4.00	%	$	44,526		5.00	%

- 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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