20. Regulatory Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2011

Notes to Financial Statements

Regulatory capital ratios

The following table shows the regulatory capital ratios for the Company and the Bank as of December 31:

											Minimum To Be Well
											Capitalized Under
						Minimum For Capital					Prompt Corrective
	Actual					Adequacy Purposes:					Action Provisions:
	Amount		Ratio			Amount		Ratio			Amount		Ratio
	(Dollars in Thousands)
As of December 31, 2012:
Total capital (to risk-weighted assets)
Company	$	47,385		12.57	%	$	30,164		8.00	%		N/A		N/A
Bank	$	46,796		12.44	%	$	30,099		8.00	%	$	37,623		10.00	%
Tier I capital (to risk-weighted assets)
Company	$	40,724		10.80	%	$	15,082		4.00	%		N/A		N/A
Bank	$	42,440		11.28	%	$	15,049		4.00	%	$	22,574		6.00	%
Tier I capital (to average assets)
Company	$	40,724		7.27	%	$	22,416		4.00	%		N/A		N/A
Bank	$	42,440		7.58	%	$	22,387		4.00	%	$	27,984		5.00	%
As of December 31, 2011:
Total capital (to risk-weighted assets)
Company	$	44,289		11.95	%	$	29,660		8.00	%		N/A		N/A
Bank	$	43,710		11.82	%	$	29,596		8.00	%	$	36,995		10.00	%
Tier I capital (to risk-weighted assets)
Company	$	37,231		10.04	%	$	14,830		4.00	%		N/A		N/A
Bank	$	39,768		10.75	%	$	14,798		4.00	%	$	22,197		6.00	%
Tier I capital (to average assets)
Company	$	37,231		6.81	%	$	21,882		4.00	%		N/A		N/A
Bank	$	39,768		7.28	%	$	21,853		4.00	%	$	27,316		5.00	%