DIVIDENDS	12 Months Ended
Dec. 31, 2013
DIVIDENDS
DIVIDENDS	NOTE 17 — DIVIDENDS The Company's principal source of funds for dividend payments is dividends received from the Bank. Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies. Under these regulations, the amount of dividends that may be paid in any calendar year is limited to the current year's net profits, combined with the retained net profits of the preceding two years, subject to the capital requirements described in Note 19. As of December 31, 2013, the Bank would need to earn approximately $16,700 in 2014 before the Bank could declare dividends without regulatory approval.

DIVIDENDS

12 Months Ended

Dec. 31, 2013

NOTE 17 — DIVIDENDS

The Company's principal source of funds for dividend payments is dividends received from the Bank. Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies. Under these regulations, the amount of dividends that may be paid in any calendar year is limited to the current year's net profits, combined with the retained net profits of the preceding two years, subject to the capital requirements described in Note 19. As of December 31, 2013, the Bank would need to earn approximately $16,700 in 2014 before the Bank could declare dividends without regulatory approval.