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Regulatory Capital Requirements and Other Regulatory Matters (Tables)
12 Months Ended
Dec. 31, 2012
Regulatory Capital Requirements and Other Regulatory Matters  
Schedule of Company's and Bank's actual capital amounts and ratios

 

 

 

 

Actual

 

Minimum Required for
Capital Adequacy Purposes

 

Required to be Well
Capitalized Under Prompt
Corrective Action
Regulations

 

 

 

Amount

 

Ratio

 

Amount

 

Ratio

 

Amount

 

Ratio

 

 

 

(dollars in thousands)

 

At December 31, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 Capital (to adjusted tangible assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Bank

 

$

129,055

 

12.07

%

$

42,773

 

4.00

%

$

53,466

 

5.00

%

Consolidated

 

135,883

 

12.71

%

42,771

 

4.00

%

N/A

 

N/A

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 Risk-Based Capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Bank

 

129,055

 

12.99

%

39,750

 

4.00

%

59,625

 

6.00

%

Consolidated

 

135,883

 

13.61

%

39,924

 

4.00

%

N/A

 

N/A

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Bank

 

137,049

 

13.79

%

79,500

 

8.00

%

99,375

 

10.00

%

Consolidated

 

144,004

 

14.43

%

79,848

 

8.00

%

N/A

 

N/A

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At December 31, 2011

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 Capital (to adjusted tangible assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Bank

 

$

88,793

 

9.44

%

$

37,640

 

4.00

%

$

47,050

 

5.00

%

Consolidated

 

89,396

 

9.50

%

37,630

 

4.00

%

N/A

 

N/A

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 Risk-Based Capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Bank

 

88,793

 

11.68

%

30,408

 

4.00

%

45,611

 

6.00

%

Consolidated

 

89,396

 

11.69

%

30,590

 

4.00

%

N/A

 

N/A

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Bank

 

97,378

 

12.81

%

60,815

 

8.00

%

76,019

 

10.00

%

Consolidated

 

97,918

 

12.80

%

61,180

 

8.00

%

N/A

 

N/A