Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2013

Comparison of Capital of Company and Bank with Minimum Regulatory Guidelines

The Company’s and the Bank’s actual capital amounts and ratios are also presented in the following table.


						(amounts in thousands)					Minimum To Be Well
	Actual					Minimum Capital Requirement					Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio

December 31, 2013:
Total Capital (to Risk Weighted Assets):
Company	$	66,437		18.21	%	$	29,193		8.00	%		N/A		N/A
Bank	$	60,578		16.62	%	$	29,160		8.00	%	$	36,450		10.00	%
Tier 1 Capital (to Risk Weighted Assets):
Company	$	61,800		16.94	%	$	14,597		4.00	%		N/A		N/A
Bank	$	55,947		15.35	%	$	14,580		4.00	%	$	21,870		6.00	%
Tier 1 Capital (to Average Assets):
Company	$	61,800		11.75	%	$	21,047		4.00	%		N/A		N/A
Bank	$	55,947		10.68	%	$	20,948		4.00	%	$	26,184		5.00	%

December 31, 2012:
Total Capital (to Risk Weighted Assets):
Company	$	59,876		15.34	%	$	31,220		8.00	%		N/A		N/A
Bank	$	52,980		13.59	%	$	31,197		8.00	%	$	38,996		10.00	%
Tier 1 Capital (to Risk Weighted Assets):
Company	$	54,897		14.07	%	$	15,610		4.00	%		N/A		N/A
Bank	$	48,004		12.31	%	$	15,599		4.00	%	$	23,398		6.00	%
Tier 1 Capital (to Average Assets):
Company	$	54,897		10.47	%	$	20,971		4.00	%		N/A		N/A
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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