Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2013

Schedule of Regulatory Capital Requirements

Actual and normally required capital amounts and ratios at March 31, 2013 and December 31, 2012, together with the higher capital requirements that the Bank is required to meet under the cease and desist order applicable to it, are presented below.

	Actual					Required for Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Regulations					Capital Requirements under Cease and Desist Order
	Amount		Ratio			Amount		Ratio			Amount		Ratios			Amount		Ratios
	(Dollars in thousands)
March 31, 2013:
Tangible Capital to adjusted total assets	$	32,674		9.00	%	$	5,446		1.50	%		N/A		N/A			N/A		N/A
Tier 1(Core) Capital to adjusted total assets	$	32,674		9.00	%	$	14,522		4.00	%	$	18,152		5.00	%	$	29,043		8.00	%
Tier 1(Core) Capital to risk weighted assets	$	32,674		13.94	%		N/A		N/A		$	14,068		6.00	%		N/A		N/A
Total Capital to risk weighted assets	$	35,698		15.22	%	$	18,758		8.00	%	$	23,447		10.00	%	$	28,137		12.00	%
December 31, 2012:
Tangible Capital to adjusted total assets	$	32,936		8.82	%	$	5,603		1.50	%		N/A		N/A			N/A		N/A
Tier 1(Core) Capital to adjusted total assets	$	32,936		8.82	%	$	14,940		4.00	%	$	18,675		5.00	%	$	29,881		8.00	%
Tier 1(Core) Capital to risk weighted assets	$	32,936		13.12	%		N/A		N/A		$	15,067		6.00	%		N/A		N/A
Total Capital to risk weighted assets	$	36,183		14.41	%	$	20,090		8.00	%	$	25,112		10.00	%	$	30,135		12.00	%