Regulatory Matters:

12 Months Ended

Dec. 31, 2012

Regulatory Matters: [Abstract]

Regulatory Matters:

(16) Regulatory Matters:

The Corporation is a unitary thrift holding company and, as such, is subject to regulation, examination and supervision by the Federal Reserve Bank. The Corporation’s wholly owned bank subsidiary is a federally chartered savings and loan supervised by the Office of the Comptroller of the Currency (OCC). Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Corporation’s and the Bank’s financial statements.

Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of tangible and core capital (as defined in the regulations) to adjusted total assets (as defined), and of total capital (as defined) and Tier 1 to risk weighted assets (as defined). Management believes, as of December 31, 2012, and 2011, that the Bank meets all capital adequacy requirements to which it is subject.

On April 30, 2010, the Corporation and the Bank, and the Office of Thrift Supervision (OTS), since merged into the OCC, signed a Memorandum of Understanding and Agreement. Included in the agreement was a requirement that the Bank maintain a Core Capital to adjusted total assets ratio of no less than 8.00% and a Total Risk Based Capital to Risk Weighted Assets ratio of no less than 12.00%. If the Bank did not meet these guidelines, the Bank would have to make a capital distribution request to the OTS (now OCC) prior to the payment of preferred stock dividends or interest payments to HopFed Capital Trust 1. In October 2012, the OCC terminated the Bank’s MOU. In November 2012, the Federal Reserve terminated the Corporation’s MOU.

The Company’s and the Bank’s actual capital amounts and ratios as of December 31, 2012, and December 31, 2011, are presented below:

																Required to be Categorized as Well Capitalized Under
	Company Actual					Bank Actual					Required for Capital Adequacy  Purposes					Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio			Amount		Ratio
As of December 31, 2012
Tangible capital to adjusted total assets	$	104,984		10.9	%	$	102,375		10.6	%	$	14,463		1.50	%		N/A		N/A
Core capital to adjusted total assets	$	104,984		10.9	%	$	102,375		10.6	%	$	38,569		4.00	%	$	48,202		5.00	%
Total capital to risk weighted assets	$	112,204		19.4	%	$	109,602		19.1	%	$	45,981		8.00	%	$	57,458		10.00	%
Tier 1 capital to risk weighted assets	$	104,984		18.2	%	$	102,375		17.8	%		N/A		N/A		$	37,548		6.00	%
As of December 31, 2011
Tangible capital to adjusted total assets	$	120,908		11.7	%	$	103,173		10.2	%	$	15,205		1.50	%		N/A		N/A
Core capital to adjusted total assets	$	120,908		11.7	%	$	103,173		10.2	%	$	40,545		4.00	%	$	50,682		5.00	%
Total capital to risk weighted assets	$	128,089		20.3	%	$	110,355		17.6	%	$	50,064		8.00	%	$	62,580		10.00	%
Tier 1 capital to risk weighted assets	$	120,908		19.1	%	$	103,172		16.5	%		N/A		N/A		$	37,548		6.00	%