Annual report pursuant to Section 13 and 15(d)

SHAREHOLDERS' EQUITY (Tables)

v2.4.0.6
SHAREHOLDERS' EQUITY (Tables)
 12 Months Ended
Dec. 31, 2012
SHAREHOLDERS' EQUITY [Abstract]  
Actual capital levels and minimum required levels
Actual capital levels (dollars in thousands) and minimum required levels were as follows at year-end:
 
   
 
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
  
December 31, 2012
                                                
Total capital (to risk weighted assets)
                                                
Consolidated
   $ 168,929       15.0 %   $ 90,244       8.0 %     N/A       N/A    
N/AA
       N/A  
Bank
     164,214       14.5       90,299       8.0     $ 112,874       10.0 %     N/A       N/A  
Tier 1 capital (to risk weighted assets)
                                                                
Consolidated
     150,857       13.4       45,122       4.0       N/A       N/A       N/A       N/A  
Bank
     149,960       13.3       45,150       4.0       67,724       6.0       N/A       N/A  
Tier 1 capital (to average assets)
                                                                
Consolidated
     150,857       10.4       58,312       4.0       N/A       N/A       N/A       N/A  
Bank
     149,960       10.3       58,371       4.0       72,964       5.0     $ 116,742       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/AA
       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  

(1)
The MOU is applicable to the December 31, 2012 information presented in these columns and the Consent Order is applicable to the December 31, 2011 information presented in these columns.