Regulatory Matters (Tables)

6 Months Ended

Jun. 30, 2012

Regulatory Matters Tables

Schedule of Bank's actual capital amounts and ratios

The Bank’s actual capital amounts and ratios as of June 30, 2012 and December 31, 2011 are presented in the following table.

	Actual					For Capital Adequacy Purposes					Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
	(Dollars in thousands)
As of June 30, 2012
Total risk-based capital     (to risk-weighted assets)	$	38,612		16.8	%	$	18,368		8.0	%	$	22,961		10.0	%
Tier I capital     (to risk-weighted assets)		35,738		15.6			9,184		4.0			13,776		6.0
Tier I capital     (to average assets)		35,738		8.8			16,314		4.0			20,393		5.0
As of December 31, 2011
Tangible capital	$	35,132		8.7	%	$	6,074		1.5	%	$	20,248		5.0	%
Core capital		35,132		8.7			16,198		4.0			24,297		6.0
Risk-based capital		38,070		16.2			18,802		8.0			23,503		10.0