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13. Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2012

Banking and Thrift [Abstract]

Company’s and the Bank’s actual capital amounts and ratios

(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, 2012:

Total Capital (to Risk-Weighted Assets)
Consolidated		$	121,246				17.34	%			55,928				8.00	%			N/A				N/A
Bank		$	117,453				16.84	%			55,784				8.00	%			69,730				10.00	%
Tier 1 Capital (to Risk-Weighted Assets)
Consolidated		$	112,135				16.04	%			27,964				4.00	%			N/A				N/A
Bank		$	108,379				15.54	%			27,892				4.00	%			41,838				6.00	%
Tier 1 Capital (to Average Assets)
Consolidated		$	112,135				11.12	%			40,342				4.00	%			N/A				N/A
Bank		$	108,379				10.76	%			40,302				4.00	%			50,377				5.00	%

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	%