| Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block] |
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Actual
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Purposes
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Action
Provisions
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Amount
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Ratio
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Amount
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Ratio
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Amount
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Ratio
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(Dollars
In Thousands)
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September 30,
2012
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Tangible
Capital
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$
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48,451
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15.24
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%
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$
|
4,768
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|
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1.50
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%
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N/A
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N/A
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Core/Leverage
Capital
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48,451
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15.24
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%
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9,535
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3.00
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%
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$
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15,892
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5.00
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%
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Tier
1 Risk-Based Capital
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48,451
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28.21
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%
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6,869
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|
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4.00
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%
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10,304
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6.00
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%
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Total
Risk-Based Capital
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50,366
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29.33
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%
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13,738
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8.00
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%
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17,173
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10.00
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%
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December 31,
2011
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Tangible
Capital
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$
|
46,684
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|
|
15.00
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%
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|
$
|
4,668
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1.50
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%
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N/A
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N/A
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Core/Leverage
Capital
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46,684
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|
|
|
15.00
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%
|
|
|
9,336
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|
|
|
3.00
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%
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$
|
15,560
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5.00
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%
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Tier
1 Risk-Based Capital
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46,623
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|
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29.32
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%
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6,360
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4.00
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%
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9,540
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6.00
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%
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Total
Risk-Based Capital
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48,300
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30.38
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%
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12,720
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8.00
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%
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15,900
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|
10.00
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%
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| Reconciliation of Bank's Capital [Table Text Block] |
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September
30, 2012
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December
31, 2011
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(In
Thousands)
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Capital
Under GAAP
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$
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48,875
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$
|
47,277
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Unrealized
Gains on Available-for-Sale Securities
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(424
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)
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|
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(593
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)
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|
Tier
1 Capital
|
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48,451
|
|
|
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46,684
|
|
|
|
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Allowance
for Loan Losses
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1,915
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1,677
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Recourse
Obligations
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-
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(61
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)
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Total
Risk-Based Capital
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$
|
50,366
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|
|
$
|
48,300
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