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Regulatory Matters
 12 Months Ended
Dec. 31, 2011
Regulatory Matters [Abstract]  
Regulatory Matters
(13)
    Regulatory Matters

The Company is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios of capital in relation to both on- and off-balance sheet items at various risk weights. Total capital consists of two tiers of capital. Tier 1 Capital includes common shareholders' equity and trust preferred securities less adjustments for intangible assets. Tier 2 Capital consists of the allowance for loan losses up to 1.25% of risk-weighted assets and other adjustments.  Management believes, as of December 31, 2011, that the Company and the Bank meet all capital adequacy requirements to which they are subject.

As of December 31, 2011, the most recent notification from the FDIC categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized the Bank must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the Bank's category.

The Company's and the Bank's actual capital amounts and ratios are presented below:

(Dollars in thousands)
        
 
Actual
 
For Capital
Adequacy Purposes
 
To Be Well
Capitalized Under
Prompt Corrective
Action Provisions
             
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
             
As of December 31, 2011:
           
             
Total Capital (to Risk-Weighted Assets)
           
Consolidated
$129,495 17.38% 59,607 8.00% N/A N/A
Bank
$111,807 15.04% 59,463 8.00% 74,329 10.00%
Tier 1 Capital (to Risk-Weighted Assets)
            
Consolidated
$119,950 16.10% 29,804 4.00% N/A N/A
Bank
$102,264 13.76% 29,731 4.00% 44,597 6.00%
Tier 1 Capital (to Average Assets)
            
Consolidated
$119,950 11.06% 43,379 4.00% N/A N/A
Bank
$102,264 9.44% 43,328 4.00% 54,160 5.00%
              
As of December 31, 2010:
            
              
Total Capital (to Risk-Weighted Assets)
            
Consolidated
$126,912 15.51% 65,455 8.00% N/A N/A
Bank
$107,294 13.15% 65,291 8.00% 81,614 10.00%
Tier 1 Capital (to Risk-Weighted Assets)
            
Consolidated
$116,470 14.24% 32,728 4.00% N/A N/A
Bank
$96,853 11.87% 32,646 4.00% 48,968 6.00%
Tier 1 Capital (to Average Assets)
            
Consolidated
$116,470 10.70% 43,533 4.00% N/A N/A
Bank
$96,853 8.91% 43,491 4.00% 54,363 5.00%