Note 22 - Regulatory Capital Requirements and Dividend Restrictions

12 Months Ended

Dec. 31, 2013

Disclosure Text Block [Abstract]

Regulatory Capital Requirements under Banking Regulations [Text Block]

22.     Regulatory Capital Requirements and Dividend Restrictions

The following table summarizes the Company’s and the Bank’s actual and required capital ratios at the dates indicated (dollars in thousands). The Bank was classified in the well-capitalized category at December 31, 2013 and 2012. Since December 31, 2013, no conditions or events have occurred, of which the Company is aware, that have resulted in a material change in the Bank's risk category other than as reported in this Annual Report on Form 10-K.

	Actual					For capital adequacy purposes					To be well capitalized under prompt corrective action provisions
	amount		ratio			amount		ratio			amount		ratio
At December 31, 2013
Total capital to risk-weighted assets
Company	$	130,043		15.49	%	$	67,142		8.00	%	n/a		n/a
Bank		129,956		15.48			67,142		8.00		$	83,928		10.00	%
Tier 1 capital to risk-weighted assets
Company		119,475		14.24			33,571		4.00		n/a		n/a
Bank		119,388		14.23			33,571		4.00			50,357		6.00
Tier 1 leverage ratio
Company		119,475		11.03			43,309		4.00		n/a		n/a
Bank		119,388		11.03			43,311		4.00			54,138		5.00
At December 31, 2012
Total capital to risk-weighted assets
Company	$	115,182		14.42	%	$	63,892		8.00	%	n/a		n/a
Bank		115,077		14.41			63,892		8.00		$	79,865		10.00	%
Tier 1 capital to risk-weighted assets
Company		105,098		13.16			31,946		4.00		n/a		n/a
Bank		104,993		13.15			31,946		4.00			47,919		6.00
Tier 1 leverage ratio
Company		105,098		9.18			45,771		4.00		n/a		n/a
Bank		104,993		9.18			45,771		4.00			57,213		5.00

We are subject to certain regulatory requirements and restrictions related to credit quality and earnings, including a restriction prohibiting dividend payments from the Bank to the Company without prior approval from the Supervisory Authorities, and the maintenance of a specified leverage capital ratio.