Capital Requirements (Tables)

6 Months Ended

Jun. 30, 2013

Comparison of Capital of Company & Bank with Minimum Regulatory Guidelines

A comparison of the capital of the Company and the Bank at June 30, 2013 and December 31, 2012 with the minimum regulatory guidelines were as follows:


	Actual					(dollars in thousands) Minimum Capital Requirement					Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
June 30, 2013:
Total Capital (to Risk Weighted Assets):
Consolidated	$	60,623		15.94	%	$	30,433		8.00	%		N/A		N/A
First Bank	$	54,198		14.26	%	$	30,399		8.00	%	$	37,999		10.00	%
Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	55,773		14.66	%	$	15,216		4.00	%		N/A		N/A
First Bank	$	49,353		12.99	%	$	15,199		4.00	%	$	22,799		6.00	%
Tier 1 Capital (to Average Assets):
Consolidated	$	55,773		10.33	%	$	21,598		4.00	%		N/A		N/A
First Bank	$	49,353		9.13	%	$	21,616		4.00	%	$	27,020		5.00	%
December 31, 2012:
Total Capital (to Risk Weighted Assets):
Consolidated	$	59,876		15.34	%	$	31,220		8.00	%		N/A		N/A
First Bank	$	52,980		13.59	%	$	31,197		8.00	%	$	38,996		10.00	%
Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	54,897		14.07	%	$	15,610		4.00	%		N/A		N/A
First Bank	$	48,004		12.31	%	$	15,599		4.00	%	$	23,398		6.00	%
Tier 1 Capital (to Average Assets):
Consolidated	$	54,897		10.47	%	$	20,971		4.00	%		N/A		N/A
First Bank	$	48,004		9.15	%	$	20,974		4.00	%	$	26,218		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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