Regulatory Capital Requirements and Dividend Restrictions (Tables)

9 Months Ended

Sep. 30, 2012

Summary of Actual and Required Capital Ratios

Since September 30, 2012, no conditions or events have occurred, of which the Company is aware, that have resulted in a material change in the Company’s or the Bank’s risk category other than as reported in this Quarterly Report on Form 10-Q.

	Actual					For capital adequacy purposes					To be well capitalized under prompt corrective  action provisions
	amount		ratio			amount		ratio			amount		ratio
At September 30, 2012
Total capital to risk-weighted assets
Company	$	112,381		13.85	%	$	64,919		8.00	%		n/a		n/a
Bank		112,240		13.83			64,918		8.00		$	81,148		10.00	%
Tier 1 capital to risk-weighted assets
Company		102,131		12.59			32,460		4.00			n/a		n/a
Bank		101,990		12.57			32,459		4.00			48,689		6.00
Tier 1 leverage ratio
Company		102,131		8.95			45,643		4.00			n/a		n/a
Bank		101,990		8.94			45,642		4.00			57,053		5.00
At December 31, 2011
Total capital to risk-weighted assets
Company	$	116,864		13.49	%	$	69,280		8.00	%		n/a		n/a
Bank		115,985		13.39			69,285		8.00		$	86,607		10.00	%
Tier 1 capital to risk-weighted assets
Company		105,852		12.22			34,640		4.00			n/a		n/a
Bank		104,972		12.12			34,643		4.00			51,964		6.00
Tier 1 leverage ratio
Company		105,852		8.59			49,270		4.00			n/a		n/a
Bank		104,972		8.52			49,271		4.00			61,589		5.00