Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2013

Capital Requirements Tables

Schedule of capital requirements

PSB’s and the Bank’s actual and regulatory capital amounts and ratios are as follows:

									To Be Well-
									Capitalized Under
					For Capital				Prompt Corrective
	Actual				Adequacy Purposes				Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
As of December 31, 2013:
Total capital (to risk weighted assets):
Consolidated	$	70,048		13.88%	$	40,365		8.00%		N/A		N/A
Peoples State Bank	$	72,321		14.35%	$	40,312		8.00%	$	50,390		10.00%
Tier I capital (to risk weighted assets):
Consolidated	$	63,734		12.63%	$	20,182		4.00%		N/A		N/A
Peoples State Bank	$	66,015		13.10%	$	20,156		4.00%	$	30,234		6.00%
Tier I capital (to average assets):
Consolidated	$	63,734		9.06%	$	28,130		4.00%		N/A		N/A
Peoples State Bank	$	66,015		9.39%	$	28,130		4.00%	$	35,163		5.00%
As of December 31, 2012:
Total capital (to risk weighted assets):
Consolidated	$	73,636		14.87%	$	39,615		8.00%		N/A		N/A
Peoples State Bank	$	71,032		14.36%	$	39,572		8.00%	$	49,465		10.00%
Tier I capital (to risk weighted assets):
Consolidated	$	60,430		12.20%	$	19,813		4.00%		N/A		N/A
Peoples State Bank	$	64,834		13.11%	$	19,782		4.00%	$	29,672		6.00%
Tier I capital (to average assets):
Consolidated	$	60,430		8.76%	$	27,594		4.00%		N/A		N/A
Peoples State Bank	$	64,834		9.35%	$	27,736		4.00%	$	34,671		5.00%