Capital Requirements

12 Months Ended

Dec. 31, 2011

Capital Requirements [Abstract]

Capital Requirements

Note 17. Capital Requirements

The Company, on a consolidated basis, and Middleburg Bank are subject to various regulatory capital requirements administered by the federal 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 and Bank's financial statements.  Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and Middleburg Bank must meet specific capital guidelines that involve quantitative measures of the Company's and Middleburg Bank's 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 Middleburg Bank to maintain minimum amounts and ratios (set forth in the table below) of total and Tier 1 capital to risk-weighted assets, and of Tier 1 capital to average assets.  Management believes, as of December 31, 2011 and 2010, that the Company and Middleburg Bank meet all capital adequacy requirements to which they are subject.

As of December 31, 2011, the most recent notification from the Federal Reserve Bank categorized Middleburg 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 table.  There are no conditions or events since that notification that management believes have changed the institution's category.

The Company's and Middleburg Bank's actual capital amounts and ratios are also presented in the following table.

	Actual				Minimum Capital Requirement				Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(Amount in Thousands)
As of December 31, 2011
Total Capital (to Risk- Weighted Assets):
Consolidated	$	112,499	14.7	%	$	61,155	8.0	%	N/A		N/A
Middleburg Bank	108,835		14.3	%	60,941		8.0	%	$	76,176	10.0	%
Tier 1 Capital (to Risk- Weighted Assets):
Consolidated	$	102,880	13.5	%	$	30,578	4.0	%	N/A		N/A
Middleburg Bank	99,249		13.0	%	30,471		4.0	%	$	45,706	6.0	%
Tier 1 Capital (to Average Assets):
Consolidated	$	102,880	8.8	%	$	46,735	4.0	%	N/A		N/A
Middleburg Bank	99,249		8.5	%	46,684		4.0	%	$	58,355	5.0	%
As of December 31, 2010
Total Capital (to Risk- Weighted Assets):
Consolidated	$	109,420	14.1	%	$	62,252	8.0	%	N/A		N/A
Middleburg Bank	105,064		13.5	%	62,082		8.0	%	$	77,602	10.0	%
Tier 1 Capital (to Risk- Weighted Assets):
Consolidated	$	99,628	12.8	%	$	31,126	4.0	%	N/A		N/A
Middleburg Bank	95,299		12.3	%	31,041		4.0	%	$	46,561	6.0	%
Tier 1 Capital (to Average Assets):
Consolidated	$	99,628	9.0	%	$	44,431	4.0	%	N/A		N/A
Middleburg Bank	95,299		8.6	%	44,311		4.0	%	$	55,389	5.0	%