Regulatory Capital Requirements and Dividend Restrictions (Tables)

3 Months Ended

Mar. 31, 2013

Summary of Actual and Required Capital Ratios

Since March 31, 2013, no conditions or events have occurred, of which the Company is aware, that have resulted in a material change in the Company’s or the Bank’s risk category other than as reported in this Quarterly Report on Form 10-Q.

	Actual					For capital adequacy purposes					To be well capitalized under prompt corrective  action provisions
	amount		ratio			amount		ratio			amount		ratio
At March 31, 2013
Total capital to risk-weighted assets
Company	$	117,678		14.74	%	$	63,861		8.00	%		n/a		n/a
Bank		117,598		14.73			63,860		8.00		$	79,825		10.00	%
Tier 1 capital to risk-weighted assets
Company		107,599		13.48			31,931		4.00			n/a		n/a
Bank		107,520		13.47			31,930		4.00			47,895		6.00
Tier 1 leverage ratio
Company		107,599		9.63			44,703		4.00			n/a		n/a
Bank		107,520		9.62			44,702		4.00			55,877		5.00
At December 31, 2012
Total capital to risk-weighted assets
Company	$	115,182		14.42	%	$	63,892		8.00	%		n/a		n/a
Bank		115,077		14.41			63,892		8.00		$	79,865		10.00	%
Tier 1 capital to risk-weighted assets
Company		105,098		13.16			31,946		4.00			n/a		n/a
Bank		104,993		13.15			31,946		4.00			47,919		6.00
Tier 1 leverage ratio
Company		105,098		9.18			45,771		4.00			n/a		n/a
Bank		104,993		9.18			45,771		4.00			57,213		5.00