Note 10. Regulatory Capital Requirements

3 Months Ended

Sep. 30, 2011

Regulatory Capital Requirements under Banking Regulations [Text Block]

10.           Regulatory Capital Requirements

As of September 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 September 30, 2011
Total capital (to risk    weighted assets)	$	125,479,000		16.7	%	$	59,948,000	8.0	%	$	74,935,000	10.0	%
Tier 1 capital (to risk    weighted assets)		116,112,000		15.5	%		29,974,000	4.0	%		44,961,000	6.0	%
Tier 1 capital (to average    assets)		116,112,000		10.5	%		44,373,000	4.0	%		55,467,000	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	%