2.4.0.810401 - Disclosure - Capitaltruefalsefalse1false falsefalseDuration_1_1_2013_To_6_30_2013http://www.sec.gov/CIK0001163389duration2013-01-01T00:00:002013-06-30T00:00:001true 1us-gaap_RegulatoryCapitalRequirementsAbstractus-gaap_truenadurationfalsefalsefalsefalsefalsefalsefalsefalse1falsefalsefalse00falsefalsefalsexbrli:stringItemTypestringfalse0Capital [Abstract]2false 2us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlockus-gaap_truenadurationfalsefalsefalsefalsefalsefalsefalsefalseterseLabel1falsefalsefalse00<div> <div style="margin-left:0pt;margin-right:0pt;"> <p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt"> <font style="display: inline;font-weight:bold;font-size:11pt;">NOTE 4  CAPITAL:</font> </p> <p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;line-height:normal;font-family:Times New Roman;font-size: 10pt"> <font style="display: inline;font-weight:bold;"> </font> </p> <p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt"> <font style="display: inline;font-weight:bold;text-decoration:underline;">Capital Requirements and Ratios</font> </p> <p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;border-bottom:1pt none #D9D9D9 ;font-family:CG Times;font-size: 10pt"> <font style="display: inline;font-family:Times New Roman;font-size:10pt;"> </font> </p> <p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:CG Times;font-size: 10pt"> <font style="display: inline;font-family:Times New Roman;font-size:10pt;">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.</font> </p> <p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:CG Times;font-size: 10pt"> <font style="display: inline;font-family:Times New Roman;font-size:10pt;"> </font> </p> <p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;border-top:1pt none #D9D9D9 ;font-family:CG Times;font-size: 10pt"> <font style="display: inline;font-family:Times New Roman;font-size:10pt;">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 </font><font style="display: inline;font-family:Times New Roman;font-size:10pt;">June 30, 2013,</font><font style="display: inline;font-family:Times New Roman;font-size:10pt;"> the Company and the Bank meet all capital adequacy requirements to which they are subject.  </font> </p> <p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;line-height:normal;font-family:Times New Roman;font-size: 10pt"> <font style="display: inline;"> </font> </p> <p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt"> <font style="display: inline;">As of </font><font style="display: inline;">June 30,</font><font style="display: inline;"> 201</font><font style="display: inline;">3,</font><font style="display: inline;"> 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</font><font style="display: inline;"> </font><font style="display: inline;">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 Company’s and Bank’s category.  </font> </p> <p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;border-bottom:1pt none #D9D9D9 ;font-family:CG Times;font-size: 10pt"> <font style="display: inline;font-family:Times New Roman;font-size:10pt;"> </font> </p> <p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:CG Times;font-size: 10pt"> <font style="display: inline;font-family:Times New Roman;font-size:10pt;">The Company’s and the Bank’s actual capital amounts and ratios are presented in the table as of </font><font style="display: inline;font-family:Times New Roman;font-size:10pt;">June 30</font><font style="display: inline;font-family:Times New Roman;font-size:10pt;">, 201</font><font style="display: inline;font-family:Times New Roman;font-size:10pt;">3</font><font style="display: inline;font-family:Times New Roman;font-size:10pt;"> and December 31, 201</font><font style="display: inline;font-family:Times New Roman;font-size:10pt;">2</font><font style="display: inline;font-family:Times New Roman;font-size:10pt;">, respectively.</font> </p> <p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;border-top:1pt none #D9D9D9 ;font-family:CG Times;font-size: 10pt"> <font style="display: inline;font-family:Times New Roman;font-size:10pt;"> </font> </p> <div style="width:100%"><table cellpadding="0" cellspacing="0" style="border-collapse:collapse;width: 100.00%;margin-left:0pt;"> <tr> <td valign="middle" style="width:34.28%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;line-height:0pt;font-family:Times New Roman;font-size: 10pt"> <font style="display: inline;"> </font></p> </td> <td valign="middle" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="bottom" style="width:10.54%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="bottom" style="width:09.68%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="bottom" style="width:10.76%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="top" style="width:07.70%;padding:0pt;"> <p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="top" style="width:02.20%;padding:0pt;"> <p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="top" style="width:11.20%;padding:0pt;"> <p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="top" style="width:11.42%;padding:0pt;"> <p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">  </p> </td> </tr> <tr> <td valign="middle" style="width:34.28%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;line-height:normal;font-family:Times New Roman;font-size: 10pt"> <font style="display: inline;"> </font></p> </td> <td valign="middle" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td colspan="2" valign="bottom" style="width:20.22%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">Actual</font></p> </td> <td colspan="3" valign="bottom" style="width:20.66%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">Minimum Capital Requirement</font></p> </td> <td colspan="2" valign="bottom" style="width:22.64%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions</font></p> </td> </tr> <tr> <td valign="middle" style="width:34.28%;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">(Dollars are in thousands)</font></p> </td> <td colspan="2" valign="middle" style="width:12.74%;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">Amount</font></p> </td> <td valign="middle" style="width:09.68%;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">Ratio</font></p> </td> <td valign="middle" style="width:10.76%;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">Amount</font></p> </td> <td valign="middle" style="width:07.70%;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">Ratio</font></p> </td> <td valign="middle" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:11.20%;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">Amount</font></p> </td> <td valign="middle" style="width:11.42%;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">Ratio</font></p> </td> </tr> <tr> <td colspan="9" valign="middle" style="width:100.00%;border-top:1pt solid #000000 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">June 30, 2013:</font></p> </td> </tr> <tr> <td colspan="9" valign="middle" style="width:100.00%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">Total Capital to Risk Weighted Assets</font></p> </td> </tr> <tr> <td valign="middle" style="width:34.28%;padding:0.9pt 0.9pt 0pt 24.3pt;"> <p style="margin:0pt;text-indent:27pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">The Company</font></p> </td> <td valign="middle" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">$</font></p> </td> <td valign="middle" style="width:10.54%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>58,417  </td> <td valign="middle" style="width:09.68%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>13.93%  </td> <td valign="middle" style="width:10.76%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>33,541  </td> <td valign="middle" style="width:07.70%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>8%  </td> <td valign="middle" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:right;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">$</font></p> </td> <td valign="middle" style="width:11.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:right;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">N/A</font></p> </td> <td valign="middle" style="width:11.42%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:right;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">N/A</font></p> </td> </tr> <tr> <td valign="middle" style="width:34.28%;padding:0.9pt 0.9pt 0pt 24.3pt;"> <p style="margin:0pt;text-indent:27pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">The Bank</font></p> </td> <td valign="middle" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:10.54%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>56,507  </td> <td valign="middle" style="width:09.68%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>13.45%  </td> <td valign="middle" style="width:10.76%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>33,600  </td> <td valign="middle" style="width:07.70%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>8%  </td> <td valign="bottom" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:11.20%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>42,000  </td> <td valign="middle" style="width:11.42%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>10%  </td> </tr> <tr> <td colspan="9" valign="middle" style="width:100.00%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">Tier 1 Capital Risk Weighted Assets:</font></p> </td> </tr> <tr> <td valign="middle" style="width:34.28%;padding:0.9pt 0.9pt 0pt 24.3pt;"> <p style="margin:0pt;text-indent:27pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">The Company</font></p> </td> <td valign="bottom" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:10.54%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>50,565  </td> <td valign="middle" style="width:09.68%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>12.06%  </td> <td valign="middle" style="width:10.76%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>16,770  </td> <td valign="middle" style="width:07.70%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>4%  </td> <td valign="bottom" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:11.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:right;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">N/A</font></p> </td> <td valign="middle" style="width:11.42%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:right;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">N/A</font></p> </td> </tr> <tr> <td valign="middle" style="width:34.28%;padding:0.9pt 0.9pt 0pt 24.3pt;"> <p style="margin:0pt;text-indent:27pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">The Bank</font></p> </td> <td valign="bottom" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:10.54%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>51,146  </td> <td valign="middle" style="width:09.68%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>12.18%  </td> <td valign="middle" style="width:10.76%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>16,800  </td> <td valign="middle" style="width:07.70%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>4%  </td> <td valign="bottom" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:11.20%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>25,200  </td> <td valign="middle" style="width:11.42%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>6%  </td> </tr> <tr> <td colspan="9" valign="middle" style="width:100.00%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">Tier 1 Capital to Average Assets:</font></p> </td> </tr> <tr> <td valign="middle" style="width:34.28%;padding:0.9pt 0.9pt 0pt 24.3pt;"> <p style="margin:0pt;text-indent:27pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">The Company</font></p> </td> <td valign="bottom" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:10.54%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>50,565  </td> <td valign="middle" style="width:09.68%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>7.24%  </td> <td valign="middle" style="width:10.76%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>27,951  </td> <td valign="middle" style="width:07.70%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>4%  </td> <td valign="bottom" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:11.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:right;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">N/A</font></p> </td> <td valign="middle" style="width:11.42%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:right;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">N/A</font></p> </td> </tr> <tr> <td valign="middle" style="width:34.28%;padding:0.9pt 0.9pt 0pt 24.3pt;"> <p style="margin:0pt;text-indent:27pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">The Bank</font></p> </td> <td valign="bottom" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:10.54%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>51,146  </td> <td valign="middle" style="width:09.68%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>7.31%  </td> <td valign="middle" style="width:10.76%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>27,986  </td> <td valign="middle" style="width:07.70%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>4%  </td> <td valign="bottom" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:11.20%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>34,983  </td> <td valign="middle" style="width:11.42%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>5%  </td> </tr> <tr> <td colspan="9" valign="middle" style="width:100.00%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;line-height:normal;font-family:Times New Roman;font-size: 10pt"> <font style="display: inline;"> </font></p> </td> </tr> <tr> <td colspan="9" valign="middle" style="width:100.00%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;line-height:normal;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;"> </font></p> <p style="margin:0pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">December 31, 2012:</font></p> </td> </tr> <tr> <td colspan="9" valign="middle" style="width:100.00%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">Total Capital to Risk Weighted Assets</font></p> </td> </tr> <tr> <td valign="middle" style="width:34.28%;padding:0.9pt 0.9pt 0pt 24.3pt;"> <p style="margin:0pt;text-indent:27pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">The Company</font></p> </td> <td valign="middle" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">$</font></p> </td> <td valign="middle" style="width:10.54%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>57,894  </td> <td valign="middle" style="width:09.68%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>13.51%  </td> <td valign="middle" style="width:10.76%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>34,291  </td> <td valign="middle" style="width:07.70%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>8%  </td> <td valign="middle" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:right;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">$</font></p> </td> <td valign="middle" style="width:11.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:right;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">N/A</font></p> </td> <td valign="middle" style="width:11.42%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:right;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">N/A</font></p> </td> </tr> <tr> <td valign="middle" style="width:34.28%;padding:0.9pt 0.9pt 0pt 24.3pt;"> <p style="margin:0pt;text-indent:27pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">The Bank</font></p> </td> <td valign="middle" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:10.54%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>55,315  </td> <td valign="middle" style="width:09.68%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>12.88%  </td> <td valign="middle" style="width:10.76%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>34,353  </td> <td valign="middle" style="width:07.70%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>8%  </td> <td valign="bottom" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:11.20%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>42,941  </td> <td valign="middle" style="width:11.42%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>10%  </td> </tr> <tr> <td colspan="9" valign="middle" style="width:100.00%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">Tier 1 Capital Risk Weighted Assets:</font></p> </td> </tr> <tr> <td valign="middle" style="width:34.28%;padding:0.9pt 0.9pt 0pt 24.3pt;"> <p style="margin:0pt;text-indent:27pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">The Company</font></p> </td> <td valign="middle" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:10.54%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>49,530  </td> <td valign="middle" style="width:09.68%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>11.56%  </td> <td valign="middle" style="width:10.76%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>17,146  </td> <td valign="middle" style="width:07.70%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>4%  </td> <td valign="bottom" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:11.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:right;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">N/A</font></p> </td> <td valign="middle" style="width:11.42%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:right;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">N/A</font></p> </td> </tr> <tr> <td valign="middle" style="width:34.28%;padding:0.9pt 0.9pt 0pt 24.3pt;"> <p style="margin:0pt;text-indent:27pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">The Bank</font></p> </td> <td valign="bottom" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:10.54%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>49,806  </td> <td valign="middle" style="width:09.68%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>11.60%  </td> <td valign="middle" style="width:10.76%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>17,176  </td> <td valign="middle" style="width:07.70%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>4%  </td> <td valign="bottom" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:11.20%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>25,765  </td> <td valign="middle" style="width:11.42%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>6%  </td> </tr> <tr> <td colspan="9" valign="middle" style="width:100.00%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">Tier 1 Capital to Average Assets:</font></p> </td> </tr> <tr> <td valign="middle" style="width:34.28%;padding:0.9pt 0.9pt 0pt 24.3pt;"> <p style="margin:0pt;text-indent:27pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">The Company</font></p> </td> <td valign="bottom" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:10.54%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>49,530  </td> <td valign="middle" style="width:09.68%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>7.05%  </td> <td valign="middle" style="width:10.76%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>28,092  </td> <td valign="middle" style="width:07.70%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>4%  </td> <td valign="bottom" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:11.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:right;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">N/A</font></p> </td> <td valign="middle" style="width:11.42%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;text-align:right;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">N/A</font></p> </td> </tr> <tr> <td valign="middle" style="width:34.28%;padding:0.9pt 0.9pt 0pt 24.3pt;"> <p style="margin:0pt;text-indent:27pt;font-family:Times New Roman;font-size: 9pt"> <font style="display: inline;font-size:9pt;">The Bank</font></p> </td> <td valign="bottom" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:10.54%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>49,806  </td> <td valign="middle" style="width:09.68%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>7.08%  </td> <td valign="middle" style="width:10.76%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>28,120  </td> <td valign="middle" style="width:07.70%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>4%  </td> <td valign="bottom" style="width:02.20%;padding:0.9pt 0.9pt 0pt 0.9pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">  </p> </td> <td valign="middle" style="width:11.20%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>35,150  </td> <td valign="middle" style="width:11.42%;font-family:Times New Roman;font-size:9pt;text-align:right;" nowrap="nowrap"><div style="float:left"></div>5%  </td> </tr> </table></div> <p style="margin:0pt;line-height:normal;font-family:Times New Roman;font-size: 10pt"> <font style="display: inline;"> </font> </p> <p><font size="1"> </font></p> </div> </div>falsefalsefalsenonnum:textBlockItemTypenaThe entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Audit and Accounting Guide (AAG) -Number AAG-DEP -Paragraph 15, 16, 17 -IssueDate 2006-05-01 -Chapter 17 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. 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