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8. Regulatory (Details)
3 Months Ended 12 Months Ended
Mar. 31, 2013
Dec. 31, 2012
Details    
Description of Regulatory Requirements, Prompt Corrective Action Sale of investment securities for a gain—approximately $7.5 million of the Bank’s investment portfolio will be sold to generate a gain of approximately $381,000 in May 2013. External equity investments—Potential investors will be sought in 2013 to generate a minimum investment of $1 million. Develop a written capital plan detailing the manner in which the Bank will meet and maintain a ratio of Tier 1 capital to total assets (“leverage ratio”) of at least 8.5% and a ratio of qualifying total capital to risk-weighted assets (total risk-based capital ratio) of at least 12.5%, within a reasonable but unspecified time period; Formulate a written plan to reduce the Bank’s risk positions in each asset or loan in excess of $100,000 classified as “Doubtful” or “Substandard” at its regulatory examination;
Tier One Leverage Capital to Average Assets 5.67% 6.00%
Capital to Risk Weighted Assets 10.41% 11.16%