Quarterly report pursuant to Section 13 or 15(d)

SHAREHOLDERS' EQUITY (Tables)

v2.4.0.6
SHAREHOLDERS' EQUITY (Tables)
 9 Months Ended
Sep. 30, 2012
SHAREHOLDERS' EQUITY [Abstract]  
Actual capital levels and minimum required levels
At September 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
 
September 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total capital (to risk weighted assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
163,887
 
 
 
14.9
%
 
$
87,942
 
 
 
8.0
%
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
Bank
 
 
157,726
 
 
 
14.4
 
 
 
87,932
 
 
 
8.0
 
 
$
109,915
 
 
 
10.0
%
 
N/A
 
 
 
N/A
Tier 1 capital (to risk weighted assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
 
144,405
 
 
 
13.1
 
 
 
43,971
 
 
 
4.0
 
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
Bank
 
 
143,795
 
 
 
13.1
 
 
 
43,966
 
 
 
4.0
 
 
 
65,949
 
 
 
6.0
 
 
 
N/A
 
 
 
N/A
 
Tier 1 capital (to average assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
 
144,405
 
 
 
9.5
 
 
 
60,598
 
 
 
4.0
 
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
 
 
N/A
 
Bank
 
 
143,795
 
 
 
9.5
 
 
 
60,527
 
 
 
4.0
 
 
 
75,659
 
 
 
5.0
 
 
 $
121,055
 
 
 
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
 

 
(1)
The MOU is applicable to the September 30, 2012 information presented in these columns, and the Consent Order is applicable to the December 31, 2011 information presented in these columns.