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

 

 

 

 

 

 

 

 

For Capital

 

 

To be Well Capitalized under Prompt

 

 

 

Actual

 

 

Adequacy Purposes

 

 

Corrective Action Provisions

 

 

 

Amount

 

Ratio

 

 

Amount

 

Ratio

 

 

Amount

 

Ratio

 

 

 

(Dollars in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2012:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk-weighted assets)

 

$

59,144 

 

23.77 

%

 

$

>=

19,907 

 

>=

8.0 

%

 

$

>=

24,883 

 

>=

10.0 

%

Tier 1 capital (to adjusted total assets)

 

 

57,343 

 

12.14 

 

 

 

>=

18,887 

 

>=

4.0 

 

 

 

>=

23,609 

 

>=

5.0 

 

Tangible equity (to tangible assets)

 

 

57,343 

 

12.14 

 

 

 

>=

7,083 

 

>=

1.5 

 

 

 

>=

N/A

 

>=

N/A

 

Tier 1 capital (to risk-weighted assets)

 

 

57,343 

 

23.04 

 

 

 

>=

9,953 

 

>=

4.0 

 

 

 

>=

14,930 

 

>=

6.0 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2011:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk-weighted assets)

 

$

54,773 

 

21.81 

%

 

$

>=

20,094 

 

>=

8.0 

%

 

$

>=

25,118 

 

>=

10.0 

%

Tier 1 capital (to adjusted total assets)

 

 

53,420 

 

11.18 

 

 

 

>=

19,104 

 

>=

4.0 

 

 

 

>=

23,881 

 

>=

5.0 

 

Tangible equity (to tangible assets)

 

 

53,420 

 

11.18 

 

 

 

>=

7,164 

 

>=

1.5 

 

 

 

>=

N/A

 

>=

N/A

 

Tier 1 capital (to risk-weighted assets)

 

 

53,420 

 

21.27 

 

 

 

>=

10,047 

 

>=

4.0 

 

 

 

>=

15,071 

 

>=

6.0 

 

 

Reconciliation of GAAP Capital to Regulatory Tier 1 and Total Capital [Table Text Block]

 

 

 

 

 

 

 

 

 

December 31,

 

 

2012

 

2011

 

 

 

(Dollars in thousands)

 

 

 

 

 

 

 

GAAP (Equity) Capital:

 

$

62,799 

 

$

58,439 

Plus:

 

 

 

 

 

 

Unrealized gains on available-for-sale securities, net of tax

 

 

(5,456)

 

 

(5,019)

 

 

 

 

 

 

 

Tier 1 Capital

 

 

57,343 

 

 

53,420 

 

 

 

 

 

 

 

Plus:

 

 

 

 

 

 

Allowance for loan losses (1)

 

 

1,806 

 

 

1,358 

Less:

 

 

 

 

 

 

Other investments required to be deducted

 

 

 

 

 

 

 

 

 

 

 

Total Regulatory Capital

 

$

59,144 

 

$

54,773