13. Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2015

Tables/Schedules

Schedule of the Company and the Bank's Actual Capital

      The Company and the Bank’s actual capital amounts and ratios are as follows:

	December 31, 2015				December 31, 2014
(In 000’s	Actual		Minimum to be Well Capitalized		Actual		Minimum to be Well Capitalized
	Amount	Ratio	Amount	Ratio	Amount	Ratio	Amount	Ratio
Total (Tier II) capital to risk weighted assets:
Company	$3,081	8.50%	N/A		$3,684	8.60%	N/A
Bank	3,081	8.50	$3,623	10.00%	3,684	8.60	$4,283	10.00%
Tier I capital to risk weighted assets
Company	2,663	7.35	N/A		3,146	7.35	N/A
Bank	2,663	7.35	$2,899	8.00%	3,146	7.35	$2,570	6.00%
Common equity Tier I capital to risk weighted assets
Company	2,663	7.35	N/A		3,146	7.35	N/A	N/A
Bank	2,663	7.35	$2,355	6.50%	3,146	7.35	N/A	N/A
Tier I Leverage ratio (Tier I capital to total quarterly average assets)
Company	2,663	4.57	N/A		3,146	5.18	N/A
Bank	2,663	4.57	$2,915	5.00%	3,146	5.18	$3,038	5.00%
Tangible common equity to tangible assets
Company	2,663	4.52	N/A	N/A	3,146	5.20	N/A	N/A
Bank	2,663	4.52	N/A	N/A	3,146	5.20	N/A	N/A