Capital Requirements

12 Months Ended

Dec. 31, 2011

Capital Requirements [Abstract]

Capital Requirements

NOTE 23 CAPITAL REQUIREMENTS:

The Company and the Bank are subject to various capital requirements administered by federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and, possibly, additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's and the Bank's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies.

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 following table) of total and Tier 1 capital (as defined) to risk-weighted assets (as defined) and of Tier 1 capital (as defined) to average assets (as defined). Management believes that, as of December 31, 2011, the Company and the Bank meet all capital adequacy requirements to which they are subject.

As of December 31, 2011 the Bank was well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since the notification that management believes have changed the Bank's category.

The Company's and the Bank's actual capital amounts and ratios are presented in the table as of December 31, 2011 and 2010, respectively.

									Minimum to Be
									Well Capitalized
									Under Prompt
					Minimum Capital				Corrective Action
		Actual			Requirement				Provisions
(Dollars are in thousands)		Amount	Ratio		Amount	Ratio			Amount	Ratio
December 31, 2011:
Total Capital to Risk Weighted Assets
The Company	$	45,856	9.15	%	40,104	8	%	$	N/A	N/A
The Bank		53,070	10.56	%	40,189	8	%		50,236	10	%
Tier 1 Capital Risk Weighted Assets:
The Company		32,941	6.57	%	20,052	4	%		N/A	N/A
The Bank		46,641	9.28	%	20,095	4	%		30,142	6	%
Tier 1 Capital to Average Assets:
The Company		33,461	4.23	%	31,658	4	%		N/A	N/A
The Bank		46,641	5.99	%	31,160	4	%		38,950	5	%

December 31, 2010:
Total Capital to Risk Weighted Assets
The Company	$	53,020	8.87	%	47,825	8	%	$	N/A	N/A
The Bank		58,466	9.79	%	47,786	8	%		59,732	10	%
Tier 1 Capital to Risk Weighted Assets:
The Company		39,108	6.54	%	23,913	4	%		N/A	N/A
The Bank		50,777	8.50	%	23,893	4	%		35,839	6	%
Tier 1 Capital to Average Assets:
The Company		39,108	4.62	%	33,857	4	%		N/A	N/A
The Bank		50,777	6.00	%	33,857	4	%		42,321	5	%