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REGULATORY MATTERS (Tables)
 12 Months Ended
Dec. 31, 2012
REGULATORY MATTERS  
Schedule of the entity's actual capital position and ratios

 

 

December 31,

 

(in thousands)

 

2012

 

2011

 

2010

 

Company

 

 

 

 

 

 

 

Tier I Capital:

 

 

 

 

 

 

 

Total Tier I Capital

 

$

39,587

 

$

53,059

 

$

53,297

 

Tier II Capital:

 

 

 

 

 

 

 

Subordinated notes

 

19,796

 

25,000

 

25,000

 

Allowable portion of allowance for loan losses

 

8,452

 

9,823

 

11,201

 

Total Tier II Capital

 

28,248

 

34,823

 

36,201

 

Total Risk-Based Capital

 

67,835

 

87,882

 

89,498

 

Total Risk Weighted Assets

 

$

665,323

 

$

774,452

 

$

883,887

 

 

 

 

 

 

 

 

 

Bank

 

 

 

 

 

 

 

Tier I Capital:

 

 

 

 

 

 

 

Total Tier I Capital

 

$

69,963

 

$

80,976

 

$

75,659

 

Tier II Capital:

 

 

 

 

 

 

 

Allowable portion of allowance for loan losses

 

8,447

 

9,819

 

11,197

 

Total Tier II Capital

 

8,447

 

9,819

 

11,197

 

Total Risk-Based Capital

 

78,410

 

90,795

 

86,856

 

Total Risk Weighted Assets

 

$

664,914

 

$

774,097

 

$

883,535

 
Schedule of risk-based capital and select other capital ratios

 

 

 

 

 

 

 

 

 

 

To Be Well

 

 

 

 

 

 

 

 

 

 

 

Capitalized

 

 

 

 

 

 

 

 

 

 

 

Under Prompt

 

 

 

 

 

 

 

For Capital

 

Corrective

 

 

 

Actual

 

Adequacy Purposes

 

Action Provision

 

(dollars in thousands)

 

Amount

 

Ratio

 

Amount

 

Ratio

 

Amount

 

Ratio

 

December 31, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital

 

 

 

 

 

 

 

 

 

 

 

 

 

(to Risk Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Company

 

$

67,835

 

10.20

%

$

53,226

 

>8.00

%

N/A

 

N/A

 

Bank

 

$

78,410

 

11.79

%

$

53,193

 

>8.00

%

$

66,491

 

>10.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier I Capital

 

 

 

 

 

 

 

 

 

 

 

 

 

(to Risk Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Company

 

$

39,587

 

5.95

%

$

26,613

 

>4.00

%

N/A

 

N/A

 

Bank

 

$

69,963

 

10.52

%

$

26,597

 

>4.00

%

$

39,895

 

>6.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier I Capital

 

 

 

 

 

 

 

 

 

 

 

 

 

(to Average Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Company

 

$

39,587

 

4.07

%

$

38,879

 

>4.00

%

N/A

 

N/A

 

Bank

 

$

69,963

 

7.20

%

$

38,865

 

>4.00

%

$

48,581

 

>5.00

%

 

 

 

 

 

 

 

 

 

 

 

To Be Well

 

 

 

 

 

 

 

 

 

 

 

Capitalized

 

 

 

 

 

 

 

 

 

 

 

Under Prompt

 

 

 

 

 

 

 

For Capital

 

Corrective

 

 

 

Actual

 

Adequacy Purposes

 

Action Provision

 

(dollars in thousands)

 

Amount

 

Ratio

 

Amount

 

Ratio

 

Amount

 

Ratio

 

December 31, 2011

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital

 

 

 

 

 

 

 

 

 

 

 

 

 

(to Risk Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Company

 

$

87,882

 

11.35

%

$

61,956

 

>8.00

%

N/A

 

N/A

 

Bank

 

$

90,795

 

11.73

%

$

61,928

 

>8.00

%

$

77,410

 

>10.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier I Capital

 

 

 

 

 

 

 

 

 

 

 

 

 

(to Risk Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Company

 

$

53,059

 

6.85

%

$

30,978

 

>4.00

%

N/A

 

N/A

 

Bank

 

$

80,976

 

10.46

%

$

30,964

 

>4.00

%

$

46,446

 

>6.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier I Capital

 

 

 

 

 

 

 

 

 

 

 

 

 

(to Average Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

Company

 

$

53,059

 

4.72

%

$

44,992

 

>4.00

%

N/A

 

N/A

 

Bank

 

$

80,976

 

7.20

%

$

44,978

 

>4.00

%

$

56,227

 

>5.00

%