REGULATORY CAPITAL REQUIREMENTS

12 Months Ended

Dec. 31, 2012

Regulatory Capital Requirements [Abstract]

REGULATORY CAPITAL REQUIREMENTS

14. Regulatory Capital Requirements

Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the table below) of total and Tier 1 capital (as defined in the regulation) to risk-weighted assets (as defined) and to average assets. Management believes, as of December 31, 2012, that the Company and the Bank meet all capital adequacy requirements to which they are subject.

At December 31, 2012 and 2011, the Company and the Bank are categorized as “well capitalized” under the regulatory framework for prompt corrective action. To be categorized as “well capitalized” the Company and the Bank must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios of 10%, 6% and 5%, respectively, and to be categorized as “adequately capitalized,” the Company and the Bank must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below. There are no current conditions or events that management believes would change the Company’s or the Bank’s category.

December 31, 2012
	Actual					For Capital Adequacy Purposes						To Be Well Capitalized Under Prompt Corrective Action Provisions
(Dollars in Thousands)	Amount		Ratio			Amount		Ratio				Amount		Ratio
Total capital to risk-weighted assets:
Company	$	34,912		13.73	%	$	20,343		8.00	%	$		N/A		N/A
Bank	$	34,686		13.64	%	$	20,343		8.00	%		$	25,429		10.00	%
Tier 1 capital to risk-weighted assets:
Company	$	31,730		12.48	%	$	10,171		4.00	%	$		N/A		N/A
Bank	$	31,504		12.39	%	$	10,171		4.00	%		$	15,257		6.00	%
Tier 1 capital to average assets:
Company	$	31,730		10.14	%	$	12,521		4.00	%	$		N/A		N/A
Bank	$	31,504		10.07	%	$	12,515		4.00	%		$	15,644		5.00	%

December 31, 2011
	Actual					For Capital Adequacy Purposes						To Be Well Capitalized Under Prompt Corrective Action Provisions
(Dollars in Thousands)	Amount		Ratio			Amount		Ratio				Amount		Ratio
Total capital to risk-weighted assets:
Company	$	33,045		13.48	%	$	19,606		8.00	%	$		N/A		N/A
Bank	$	32,848		13.41	%	$	19,602		8.00	%		$	24,503		10.00	%
Tier 1 capital to risk-weighted assets:
Company	$	29,981		12.23	%	$	9,803		4.00	%	$		N/A		N/A
Bank	$	29,784		12.16	%	$	9,801		4.00	%		$	14,702		6.00	%
Tier 1 capital to average assets:
Company	$	29,981		8.96	%	$	13,386		4.00	%	$		N/A		N/A
Bank	$	29,784		8.90	%	$	13,380		4.00	%		$	16,725		5.00	%