Regulatory and Operational Matters (Tables)

9 Months Ended

Sep. 30, 2013

Company's and Bank's Actual Capital Amounts and Ratios

The Company’s and the Bank’s actual capital amounts and ratios at September 30, 2013 and December 31, 2012 were:


											To Be Well
											Capitalized Under
						For Capital					Prompt Corrective
	Actual					Adequacy Purposes					Action Provisions
(dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
September 30, 2013
The Company:
Total Capital (to Risk Weighted Assets)	$	55,064		13.68	%	$	32,201		8.00	%		N/A		N/A
Tier 1 Capital (to Risk Weighted Assets)		50,017		12.43	%		16,096		4.00	%		N/A		N/A
Tier 1 Capital (to Average Assets)		50,017		9.09	%		22,010		4.00	%		N/A		N/A
The Bank:
Total Capital (to Risk Weighted Assets)	$	54,639		13.56	%	$	32,235		8.00	%	$	40,294		10.00	%
Tier 1 Capital (to Risk Weighted Assets)		49,597		12.30	%		16,129		4.00	%		24,194		6.00	%
Tier 1 Capital (to Average Assets)		49,597		9.02	%		21,994		4.00	%		27,493		5.00	%
December 31, 2012
The Company:
Total Capital (to Risk Weighted Assets)	$	63,253		15.64	%	$	32,354		8.00	%		N/A		N/A
Tier 1 Capital (to Risk Weighted Assets)		58,186		14.39	%		16,174		4.00	%		N/A		N/A
Tier 1 Capital (to Average Assets)		58,186		9.33	%		24,946		4.00	%		N/A		N/A
The Bank:
Total Capital (to Risk Weighted Assets)	$	61,908		15.31	%	$	32,349		8.00	%	$	40,468		10.00	%
Tier 1 Capital (to Risk Weighted Assets)		56,840		14.05	%		16,182		4.00	%		24,280		6.00	%
Tier 1 Capital (to Average Assets)		56,840		9.11	%		24,957		4.00	%		31,191		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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