Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2014

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, 2014
Total Capital
(to Risk-Weighted Assets)
Consolidated	$	74,220		14.0	%	$	42,366		8.0	%	$	-		N/A
State Bank		63,664		12.0	%		42,506		8.0	%		53,132		10.0	%

Tier 1 Capital
(to Risk-Weighted Assets)
Consolidated		67,598		12.8	%		21,183		4.0	%		-		N/A
State Bank		57,521		10.7	%		21,253		4.0	%		31,879		6.0	%

Tier 1 Capital
(to Average Assets)
Consolidated		67,598		10.1	%		26,819		4.0	%		-		N/A
State Bank		57,521		8.6	%		27,354		4.0	%		34,193		5.0	%

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	%

- 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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