Regulatory Capital Requirements

12 Months Ended

Dec. 31, 2012

Regulatory Capital Requirements [Abstract]

Regulatory Capital Requirements

19. Regulatory Capital Requirements

The Company and its bank subsidiary are subject to various regulatory capital requirements administered by the FRB and the OCC. Failure to meet minimum capital requirements can result in mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's Consolidated Financial Statements. These capital requirements represent quantitative measures of the Company's assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Company's capital classification is also subject to qualitative judgments by its regulators about components, risk weightings and other factors.

Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios of total and Tier 1 capital (as defined in the applicable regulations) to risk-weighted assets (as defined in the applicable regulations) and of Tier 1 capital to average assets (as defined in the applicable regulations). In addition, the OCC requires a minimum level of $2.5 million of Tier 1 capital to be maintained at Acadia Trust, N.A. Management believes that, as of December 31, 2012, the Company and its subsidiaries meet all capital requirements to which they are subject.

As of December 31, 2012, the Bank was categorized by its supervisory regulatory agencies as well capitalized. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below. There are no conditions or events that management believes have changed the Bank's respective capital categories.

The Bank's actual capital amounts and ratios are presented in the following table:

	Actual Regulatory Capital					Minimum Regulatory Capital Required					Minimum Regulatory Provision To Be Well Capitalized
	Amount		Ratio			Amount		Ratio			Amount		Ratio
As of December 31, 2012
Total risk-based capital	$	213,435		14.04	%	$	121,625		8.00	%	$	152,031		10.00	%
Tier 1 capital		194,381		12.79			60,812		4.00			91,219		6.00
Tier 1 leverage capital ratio		194,381		7.97			99,347		4.00			124,184		5.00
As of December 31, 2011
Total risk-based capital	$	208,580		14.50	%	$	115,074		8.00	%	$	143,842		10.00	%
Tier 1 capital		190,538		13.25			57,537		4.00			86,305		6.00
Tier 1 leverage capital ratio		190,538		8.63			89,836		4.00			112,295		5.00

The Company's actual capital amounts and ratios are presented in the following table:

	Actual Regulatory Capital					Minimum Regulatory Capital Required					Minimum Regulatory Provision To Be Well Capitalized
	Amount		Ratio			Amount		Ratio			Amount		Ratio
As of December 31, 2012
Total risk-based capital	$	239,831		15.56	%	$	123,293		8.00	%	$	154,116		10.00	%
Tier 1 capital		220,519		14.31			61,646		4.00			92,469		6.00
Tier 1 leverage capital ratio		220,519		8.94			100,770		4.00			125,963		5.00
As of December 31, 2011
Total risk-based capital	$	232,339		15.95	%	$	116,567		8.00	%	$	145,709		10.00	%
Tier 1 capital		214,066		14.69			58,284		4.00			87,426		6.00
Tier 1 leverage capital ratio		214,066		9.59			91,056		4.00			113,820		5.00