Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2012

Company and State Bank's actual capital amounts and ratios

	Actual					For Capital Adequacy Purposes					To Be Well-Capitalized Under Prompt Corrective Action Provisions
($ in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
As of December 31, 2012
Total Capital
(to Risk-Weighted Assets)
Consolidated	$	59,448		12.6	%	$	37,799		8.0	%	$	-		N/A
State Bank		57,138		12.1	%		37,647		8.0	%		47,059		10.0	%

Tier 1 Capital
(to Risk-Weighted Assets)
Consolidated		45,854		9.7	%		18,935		4.0	%		-		N/A
State Bank		51,244		10.9	%		18,824		4.0	%		28,235		6.0	%

Tier 1 Capital
(to Average Assets)
Consolidated		45,854		7.4	%		24,763		4.0	%		-		N/A
State Bank		51,244		8.4	%		24,531		4.0	%		30,664		5.0	%

As of December 31, 2011
Total Capital
(to Risk-Weighted Assets)
Consolidated	$	52,010	11.4	%	$	36,749	8.0	%	$	-	N/A
State Bank		54,564	12.0	%		36,348	8.0	%		45,435	10.0	%

Tier 1 Capital
(to Risk-Weighted Assets)
Consolidated		40,207	8.8	%		18,424	4.0	%		-	N/A
State Bank		48,878	10.8	%		18,174	4.0	%		27,261	6.0	%

Tier 1 Capital
(to Average Assets)
Consolidated		40,207	6.5	%		24,563	4.0	%		-	N/A
State Bank		48,878	8.0	%		24,411	4.0	%		30,514	5.0	%

- 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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