Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2013

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, 2013
Total Capital
(to Risk-Weighted Assets)
Consolidated	$	64,872		13.4	%	$	38,763		8.0	%	$	-		N/A
State Bank		60,843		12.5	%		38,930		8.0	%		48,662		10.0	%

Tier 1 Capital
(to Risk-Weighted Assets)
Consolidated		52,332		10.8	%		19,382		4.0	%		-		N/A
State Bank		54,749		11.3	%		19,465		4.0	%		29,197		6.0	%

Tier 1 Capital
(to Average Assets)
Consolidated		52,332		8.3	%		25,105		4.0	%		-		N/A
State Bank		54,749		8.8	%		24,899		4.0	%		31,124		5.0	%

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	%

- 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.

+ References+ Details