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Regulatory Capital (Tables)
12 Months Ended
Dec. 31, 2012
Regulatory Capital Requirements [Abstract]  
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]

The Company’s capital amounts and ratios for the last two years are presented in the following table.  The 2012 ratios for the Company and the Bank reflect a $9.0 million dividend paid by the Bank to the Parent Company.  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

   

   

 

   

 

   

To be well-capitalized

   

 

 

 

 

 

 

 

 

For capital

 

under prompt corrective

 

 

 

Actual

 

adequacy purposes

 

action provisions

 

(In thousands, except percentages)

   

Amount

   

Ratio

   

Amount

   

Ratio

   

Amount

   

Ratio

   

As of December 31, 2012

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

Leverage ratio

   

$

89,841 

   

   

11.14 

%

≥ $

32,251 

   

   

4.00 

%

 

N/A

   

   

N/A

 

Tier I risk-based capital ratio

   

   

89,841 

   

   

14.85 

   

   

24,193 

   

   

4.00 

   

   

N/A

   

   

N/A

 

Total risk-based capital ratio

   

   

97,492 

   

   

16.12 

   

   

48,387 

   

   

8.00 

   

   

N/A

   

   

N/A

 

As of December 31, 2011

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

 

Leverage ratio

   

$

86,077 

   

   

10.44 

%

≥ $

32,979 

   

   

4.00 

%

 

N/A

   

   

N/A

 

Tier I risk-based capital ratio

   

   

86,077 

   

   

14.33 

   

   

24,027 

   

   

4.00 

   

   

N/A

   

   

N/A

 

Total risk-based capital ratio

   

   

93,696 

   

   

15.60 

   

   

48,055 

   

   

8.00 

   

   

N/A

   

   

N/A

   

 

The Bank’s capital amounts and ratios for the last two years are presented in the following table:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

   

   

 

   

 

   

To be well-capitalized

   

 

 

 

 

 

 

 

 

For capital

 

under prompt corrective

 

 

 

Actual

 

adequacy purposes

 

action provisions

 

(In thousands, except percentages)

   

Amount

   

Ratio

   

Amount

   

Ratio

   

Amount

   

Ratio

   

As of December 31, 2012

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

Leverage ratio

   

$

69,544 

   

   

8.63 

%

≥ $

32,225 

   

   

4.00 

%

≥ $

40,282 

   

   

5.00 

%

Tier I risk-based capital ratio

   

   

69,544 

   

   

11.51 

   

   

24,170 

   

   

4.00 

   

   

36,254 

   

   

6.00 

   

Total risk-based capital ratio

   

   

85,687 

   

   

14.18 

   

   

48,339 

   

   

8.00 

   

   

60,424 

   

   

10.00 

   

As of December 31, 2011

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

Leverage ratio

   

$

74,191 

   

   

9.01 

%

≥ $

32,953 

   

   

4.00 

%

≥ $

41,192 

   

   

5.00 

%

Tier I risk-based capital ratio

   

   

74,191 

   

   

12.36 

   

   

24,003 

   

   

4.00 

   

   

36,004 

   

   

6.00 

   

Total risk-based capital ratio

   

   

90,302 

   

   

15.05 

   

   

48,006 

   

   

8.00 

   

   

60,007 

   

   

10.00