Minimum Regulatory Capital Requirement

12 Months Ended

Dec. 31, 2012

Minimum Regulatory Capital Requirement [Abstract]

Minimum Regulatory Capital Requirement

Note 12: Minimum Regulatory Capital Requirement

The Company (on a consolidated basis) and its subsidiary bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's and the bank's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies.

Quantitative measures established by regulation to ensure capital adequacy require the Company and the bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as defined). Management believes, as of December 31, 2012 and 2011, that the Company and the bank meet all capital adequacy requirements to which they are subject.

As of December 31, 2011, the most recent notifications from the Office of the Comptroller of the Currency 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 tables. There are no conditions or events since these notifications that management believes have changed the bank's category. The Company's and the bank's actual capital amounts and ratios as of December 31, 2012 and 2011 are also presented in the following tables.

	Actual				Minimum Capital Requirement				Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
December 31, 2012
Total capital (to risk weighted assets)
NBI consolidated	$	151,824	22.4	%	$	54,225	8.00	%		N/A	N/A
NBB		148,684	22.0	%		53,984	8.00	%	$	67,481	10.00	%
Tier 1 capital (to risk weighted assets)
NBI consolidated	$	143,472	21.2	%	$	27,113	4.00	%		N/A	N/A
NBB		140,335	20.8	%		26,992	4.00	%	$	40,488	6.00	%
Tier 1 capital (to average assets)
NBI consolidated	$	143,472	13.3	%	$	43,010	4.00	%		N/A	N/A
NBB		140,335	13.1	%		42,973	4.00	%	$	53,716	5.00	%

	Actual				Minimum Capital Requirement				Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
December 31, 2011
Total capital (to risk weighted assets)
NBI consolidated	$	140,228	20.9	%	$	53,615	8.0	%		N/A	N/A
NBB		136,932	20.5	%		53,348	8.0	%	$	66,684	10.0	%
Tier 1 capital (to risk weighted assets)
NBI consolidated	$	132,160	19.7	%	$	26,807	4.0	%		N/A	N/A
NBB		128,864	19.3	%		26,674	4.0	%	$	40,011	6.0	%
Tier 1 capital (to average assets)
NBI consolidated	$	132,160	12.7	%	$	41,598	4.0	%		N/A	N/A
NBB		128,864	12.5	%		41,293	4.0	%	$	51,617	5.0	%