Capital Requirements (Tables)

6 Months Ended

Jun. 30, 2014

Comparison of Capital of Company and Bank with Minimum Regulatory Guidelines

A comparison of the capital of the Company and the Bank at June 30, 2014 and December 31, 2013 with the minimum regulatory guidelines were as follows (dollars in thousands):


	Actual					Minimum Capital Requirement					Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
June 30, 2014:
Total Capital (to Risk Weighted Assets):
Consolidated	$	69,455		18.64	%	$	29,803		8.00	%		N/A		N/A
First Bank	$	64,302		17.28	%	$	29,762		8.00	%	$	37,202		10.00	%
Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	64,732		17.38	%	$	14,902		4.00	%		N/A		N/A
First Bank	$	59,586		16.02	%	$	14,881		4.00	%	$	22,321		6.00	%
Tier 1 Capital (to Average Assets):
Consolidated	$	64,732		12.22	%	$	21,186		4.00	%		N/A		N/A
First Bank	$	59,586		11.26	%	$	21,171		4.00	%	$	26,463		5.00	%

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