Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2014

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 (dollars in thousands).


	Actual					Minimum Capital Requirement					Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio

December 31, 2014:
Total Capital (to Risk Weighted Assets):
Company	$	75,045		19.93	%	$	30,130		8.00	%		N/A		N/A
Bank	$	71,941		19.14	%	$	30,077		8.00	%	$	37,596		10.00	%
Tier 1 Capital (to Risk Weighted Assets):
Company	$	70,312		18.67	%	$	15,065		4.00	%		N/A		N/A
Bank	$	67,217		17.88	%	$	15,038		4.00	%	$	22,557		6.00	%
Tier 1 Capital (to Average Assets):
Company	$	70,312		13.47	%	$	20,872		4.00	%		N/A		N/A
Bank	$	67,217		12.90	%	$	20,841		4.00	%	$	26,051		5.00	%

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	%

- 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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