Note 10. Regulatory Capital Requirements

3 Months Ended

Jun. 30, 2011

Regulatory Capital Requirements under Banking Regulations [Text Block]

10.           Regulatory Capital Requirements

As of June 30, 2011, the most recent notification from the regulatory agencies categorized the Bank as 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 table:

													To Be Well Capitalized
							For Capital						Under Prompt Corrective
	Actual						Adequacy Purposes						Action Provisions
	Amount			Ratio			Amount			Ratio			Amount			Ratio
As of June 30, 2011
Total capital (to risk    weighted assets)		$	122,846,000		16.4	%		$	59,828,000		8.0	%		$	74,785,000		10.0	%
Tier 1 capital (to risk    weighted assets)			113,496,000		15.2	%			29,914,000		4.0	%			44,871,000		6.0	%
Tier 1 capital (to average    assets)			113,496,000		10.2	%			44,621,000		4.0	%			55,776,000		5.0	%
As of December 31, 2010
Total capital (to risk    weighted assets)		$	117,822,000		15.2	%		$	62,011,000		8.0	%		$	77,514,000		10.0	%
Tier 1 capital (to risk    weighted assets)			108,295,000		14.0	%			31,006,000		4.0	%			46,509,000		6.0	%
Tier 1 capital (to average    assets)			108,295,000		10.0	%			43,298,000		4.0	%			54,122,000		5.0	%