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Regulatory Matters and Stockholders' Equity (Tables)
12 Months Ended
Dec. 31, 2012
Regulatory Matters and Stockholders' Equity [Abstract]  
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]

 

The Bank's actual capital amounts and ratios are presented in the table:

 

 

 

 



Actual

 


For Capital Adequacy Purposes

 

To be Well Capitalized under Prompt Corrective Action Provisions

 

 

Amount

 

Ratio

 

Amount

 

Ratio

 

Amount

 

Ratio

 

 

(Dollars  in Thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2012:

 

 

 

 

 

 

 

 

 

 

 

 

        Total capital (to risk-weighted assets)

 

$80,747

 

16.74%

 

$≥38,596

 

≥8.00%

 

$≥48,245

 

≥10.00%

        Tier 1 capital (to risk-weighted assets)

 

75,245

 

15.60

 

≥19,298

 

≥4.00

 

≥28,947

 

≥6.00

        Tier 1 capital (to average assets)

 

75,245

 

11.20

 

≥26,862

 

≥4.00

 

≥33,577

 

≥5.00

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2011:

 

 

 

 

 

 

 

 

 

 

 

 

        Total capital (to risk-weighted assets)

 

$75,846

 

16.13%

 

$≥37,611

 

≥8.00%

 

$≥47,014

 

≥10.00%

        Tier 1 capital (to risk-weighted assets)

 

70,381

 

14.97

 

≥18,806

 

≥4.00

 

≥28,208

 

≥6.00

        Tier 1 capital (to average assets)

 

70,381

 

10.74

 

≥26,215

 

≥4.00

 

≥32,769

 

≥5.00

 

The Company's ratios do not differ significantly from the Bank's ratios presented above.