Minimum Regulatory Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2012

Minimum Regulatory Capital Requirements [Abstract]

Actual capital amounts and ratios

The Bank's actual capital amounts (in thousands) and ratios as of December 31, 2012 and 2011 are presented in the following table:

												To Be Well Capitalized
						For Capital						Under Prompt Corrective
	Actual					Adequacy Purposes						Action Provisions
	Amount		Ratio			Amount			Ratio			Amount			Ratio
As of December 31, 2012
Tier 1 Capital to total adjusted assets(1)	$	38,556		10.12	%	$	15,243	>		4.0	%	$	19,054	>		5.0	%
Tier 1 Capital to risk-weighted assets(2)	$	38,556		13.35	%	$	11,553	>		4.0	%	$	17,329	>		6.0	%
Total Capital to risk-weighted assets(2)	$	42,175		14.60	%	$	23,106	>		8.0	%	$	28,882	>		10.0	%
As of December 31, 2011
Tier 1 Capital to total adjusted assets(3)	$	28,283		8.33	%	$	13,588	>		4.0	%	$	16,985	>		5.0	%
Tier 1 Capital to risk-weighted assets(4)	$	28,283		10.78	%	$	10,498	>		4.0	%	$	15,747	>		6.0	%
Total Capital to risk-weighted assets(4)	$	31,564		12.03	%	$	20,995	>		8.0	%	$	26,244	>		10.0	%

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(1)  Based on total adjusted assets of $381,083 at December 31, 2012.

(2)  Based on risk-weighted assets of $288,821 at December 31, 2012.

(3)  Based on total adjusted assets of $339,691 at December 31, 2011.

(4)  Based on risk-weighted assets of $262,443 at December 31, 2011.

Regulatory capital levels reconciled to GAAP

Regulatory capital levels reported above differ from the Bank's total capital, computed in accordance with accounting principles generally accepted in the United States as follows:

	2012			2011
	(in thousands)
Equity	$	38,813		$	28,237
Accumulated other comprehensive loss		496			659
Core deposit intangible		(753	)		(613	)
Total Tier 1 capital	$	38,556		$	28,283
Allowance for loan and lease losses,limited to 1.25% of risk-weighted assets		3,619			3,281
Total capital	$	42,175		$	31,564