Note 20 - Regulatory Capital Requirements and Dividend Restrictions

9 Months Ended

Sep. 30, 2013

Disclosure Text Block [Abstract]

Regulatory Capital Requirements under Banking Regulations [Text Block]

20.      Regulatory Capital Requirements and Dividend Restrictions

Capital Requirements

The following table summarizes the Company’s and the Bank’s actual and required capital ratios at the dates indicated (dollars in thousands). The Bank was classified in the well-capitalized category at September 30, 2013 and December 31, 2012. Since September 30, 2013, no conditions or events have occurred, of which the Company is aware, that have resulted in a material change in 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 September 30, 2013
Total capital to risk-weighted assets
Company	$	127,008		15.52	%	$	65,483		8.00	%	n/a		n/a
Bank		126,905		15.50			65,482		8.00		$	81,853		10.00	%
Tier 1 capital to risk-weighted assets
Company		116,694		14.26			32,742		4.00		n/a		n/a
Bank		116,591		14.24			32,741		4.00			49,112		6.00
Tier 1 leverage ratio
Company		116,694		10.95			42,639		4.00		n/a		n/a
Bank		116,591		10.93			42,650		4.00			53,513		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

We are subject to certain regulatory requirements and restrictions related to credit quality and earnings, including a restriction prohibiting dividend payments from the Bank to the Company without prior approval from the Supervisory Authorities, and the maintenance of a specified leverage capital ratio.