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Capital Requirements
 12 Months Ended
Dec. 31, 2012
Capital Requirements [Abstract]  
Capital Requirements
Note 15. Capital Requirements
    
The Company and the Bank are subject to various regulatory capital requirements administered by the federal and state banking agencies. 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 Company's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Prompt corrective action provisions are not applicable to bank holding companies.
    
Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios of total and Tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets. Management believes, as of December 31, 2012 and 2011, that the Company and the Bank met all capital adequacy requirements to which they were subject.
    
As of December 31, 2012, the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following table. There are no conditions or events since the notification that Management believes have changed the Bank's category. The Company's and the Bank's actual capital amounts and ratios as of December 31, 2012 and 2011 are presented in the following table.
 
(in thousands except for %)
Actual
Minimum Capital Requirements
Minimum to be Well Capitalized Under Action Provisions
 
December 31, 2012
Amount
Ratio
Amount
Ratio
Amount
Ratio
 
Total risk-based capital:
 
 
 
 
  Consolidated
$
134,229
15.31
%
$
70,133
8.00
%
 
N/A
N/A
 
  Bank
$
135,590
15.47
%
$
70,095
8.00
%
$
87,619
10.00
%
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier 1 capital:
 
 
 
 
  Consolidated
$
123,877
14.13
%
$
35,066
4.00
%
 
N/A
N/A
 
  Bank
$
125,238
14.29
%
$
35,048
4.00
%
$
52,571
6.00
%
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier 1 leverage capital:
 
 
 
 
  Consolidated
$
123,877
9.24
%
$
53,649
4.00
%
 
N/A
N/A
 
  Bank
$
125,238
9.34
%
$
53,644
4.00
%
$
67,055
5.00
%
 
 
 
 
December 31, 2011
 
 
 
 
Total risk-based capital:
 
 
 
 
  Consolidated
$
126,407
14.75
%
$
68,676
8.00
%
 
N/A
N/A
 
  Bank
$
127,618
14.90
%
$
68,631
8.00
%
$
85,789
10.00
%
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier 1 capital:
 
 
 
 
  Consolidated
$
117,528
13.71
%
$
34,338
4.00
%
 
N/A
N/A
 
  Bank
$
118,739
13.86
%
$
34,315
4.00
%
$
51,473
6.00
%
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier 1 leverage capital:
 
 
 
 
  Consolidated
$
117,528
9.03
%
$
52,240
4.00
%
 
N/A
N/A
 
  Bank
$
118,739
9.13
%
$
52,228
4.00
%
$
65,286
5.00
%