Quarterly report pursuant to Section 13 or 15(d)

SHAREHOLDERS' EQUITY (Tables)

v2.4.0.6
SHAREHOLDERS' EQUITY (Tables)
6 Months Ended
Jun. 30, 2012
SHAREHOLDERS' EQUITY [Abstract]  
Actual capital levels and minimum required levels
At June 30, 2012 and December 31, 2011, actual and minimum required capital levels were (in thousands):

 
Actual
 
 
Minimum Required
For Capital
Adequacy Purposes
 
 
To Be Well
Capitalized Under
Prompt Corrective
Action Regulations
 
 
Minimum Required Under MOU/Consent Order (1)
 
 
 
Amount
 
 
Ratio
 
 
Amount
 
 
Ratio
 
 
Amount
 
 
Ratio
 
 
Amount
 
 
Ratio
 
June 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total capital (to risk weighted assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
157,255
 
 
 
14.2
%
 
$
88,742
 
 
 
8.0
%
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
Bank
 
 
150,545
 
 
 
13.6
 
 
 
88,731
 
 
 
8.0
 
 
$
110,914
 
 
 
10.0
%
 
N/A
 
 
 
N/A
Tier 1 capital (to risk weighted assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
 
135,396
 
 
 
12.2
 
 
 
44,371
 
 
 
4.0
 
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
Bank
 
 
136,488
 
 
 
12.3
 
 
 
44,366
 
 
 
4.0
 
 
 
66,548
 
 
 
6.0
 
 
 
N/A
 
 
 
N/A
 
Tier 1 capital (to average assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
 
135,396
 
 
 
9.0
 
 
 
60,163
 
 
 
4.0
 
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
Bank
 
 
136,488
 
 
 
9.1
 
 
 
60,092
 
 
 
4.0
 
 
 
75,115
 
 
 
5.0
 
 
 $
120,184
 
 
 
8.0
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2011
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total capital (to risk weighted assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
149,905
 
 
 
13.2
%
 
$
91,201
 
 
 
8.0
%
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
Bank
 
 
142,059
 
 
 
12.5
 
 
 
91,193
 
 
 
8.0
 
 
$
113,991
 
 
 
10.0
%
 
$
125,390
 
 
 
11.0
%
Tier 1 capital (to risk weighted assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
 
125,028
 
 
 
11.0
 
 
 
45,601
 
 
 
4.0
 
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
Bank
 
 
127,576
 
 
 
11.2
 
 
 
45,596
 
 
 
4.0
 
 
 
68,394
 
 
 
6.0
 
 
 
N/A
 
 
 
N/A
 
Tier 1 capital (to average assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
 
125,028
 
 
 
8.3
 
 
 
60,598
 
 
 
4.0
 
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
Bank
 
 
127,576
 
 
 
8.4
 
 
 
60,528
 
 
 
4.0
 
 
 
75,660
 
 
 
5.0
 
 
 
121,056
 
 
 
8.0