Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2012

Schedule of Compliance with Regulatory Capital Requirements

The Company’s and the Bank’s actual capital amounts and ratios are presented in the table below:

	Actual					For Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
As of December 31, 2012:
Total capital (to risk weighted assets)
Bank:	$	173,225		17.90	%	$	77,426		8	%	$	96,783		10	%
Company:	$	175,671		18.15	%	$	77,411		8	%	$	96,764		10	%
Tier 1 capital (to risk weighted assets)
Bank:	$	161,073		16.64	%	$	38,713		4	%	$	58,070		6	%
Company:	$	163,519		16.90	%	$	38,706		4	%	$	58,059		6	%
Tier 1 capital (to leverage assets)
Bank:	$	161,073		12.15	%	$	53,019		4	%	$	66,273		5	%
Company:	$	163,519		12.33	%	$	53,030		4	%	$	66,287		5	%
As of December 31, 2011:
Total capital (to risk weighted assets)
Bank:	$	165,089		18.41	%	$	71,756		8	%	$	89,695		10	%
Company:	$	172,336		19.22	%	$	71,720		8	%	$	89,651		10	%
Tier 1 capital (to risk weighted assets)
Bank:	$	153,829		17.15	%	$	35,878		4	%	$	53,817		6	%
Company:	$	161,076		17.97	%	$	35,860		4	%	$	53,790		6	%
Tier 1 capital (to leverage assets)
Bank:	$	153,829		12.51	%	$	49,178		4	%	$	61,472		5	%
Company:	$	161,076		13.09	%	$	49,226		4	%	$	61,533		5	%