Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2013

Regulatory Matters

Schedule of the entity's actual capital position and ratios

	March 31,		December 31,
(in thousands)	2013		2012
Company
Tier I capital:
Total tier I capital	$	41,356	$	39,587
Tier II capital:
Subordinated notes	20,679		19,796
Allowable portion of allowance for loan losses	8,367		8,452
Total tier II capital	29,046		28,248
Total risk-based capital	70,402		67,835
Total risk-weighted assets	$	658,621	$	665,323
Bank
Tier I capital:
Total tier I capital	$	72,343	$	69,963
Tier II capital:
Allowable portion of allowance for loan losses	8,362		8,447
Total tier II capital	8,362		8,447
Total risk-based capital	80,705		78,410
Total risk-weighted assets	$	658,210	$	664,914

Schedule of risk-based capital and selected 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
March 31, 2013
Total capital
(to risk-weighted assets)
Company	$	70,402	10.69	%	$	>52,690	>8.00	%	N/A		N/A
Bank	$	80,705	12.26	%	$	>52,657	>8.00	%	$	>65,821	>10.00	%
Tier I capital
(to risk-weighted assets)
Company	$	41,356	6.28	%	$	>26,345	>4.00	%	N/A		N/A
Bank	$	72,343	10.99	%	$	>26,328	>4.00	%	$	>39,493	>6.00	%
Tier I capital
(to average assets)
Company	$	41,356	4.42	%	$	>37,449	>4.00	%	N/A		N/A
Bank	$	72,343	7.73	%	$	>37,434	>4.00	%	$	>46,793	>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, 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	%