Regulatory Capital (Tables)
6 Months Ended
Jun. 30, 2012
Borrowings and Regulatory Capital [Abstract]  
Bank's capital ratios

The following table sets forth the Bank’s capital ratios as of June 30, 2012 and December 31, 2011:

 

                                                 
    Actual     Minimum for Capital
Adequacy Purposes
    Minimum To Be Well
Capitalized  Under Prompt
Corrective Action Provisions
 
    Amount     Ratio     Amount     Ratio         Amount             Ratio      

As of June 30, 2012:

                                               

Total capital to risk weighted assets

  $ 31,846       16.35   $ 15,579       8.00   $ 19,474       10.00

Tier 1 capital to risk weighted assets

    29,660       15.23     7,790       4.00     11,684       6.00

Tier 1 capital to assets

    29,660       10.96     10,821       4.00     13,526       5.00
             

As of December 31, 2011:

                                               

Tangible capital to tangible assets

  $ 29,319       10.75   $ 4,090       1.50     N/A       N/A  

Total capital to risk weighted assets

    31,073       16.48     15,081       8.00   $ 18,852       10.00

Tier 1 capital to risk weighted assets

    29,319       15.55     7,541       4.00     11,311       6.00

Tier 1 capital to assets

    29,319       10.75     10,905       4.00     13,632       5.00
Reconciliation of the Bank's equity capital

The following is a reconciliation of the Bank’s equity capital under U.S. generally accepted accounting principles to Tangible and Tier 1 capital and Total capital (as defined by the OCC) at June 30, 2012 and December 31, 2011:

 

                 
    June 30,
2012
    December 31,
2011
 

Equity capital

  $ 29,801     $ 29,533  

Unrealized gains on securities, net

    (141     (214
   

 

 

   

 

 

 

Tangible and Tier 1 capital

    29,660       29,319  

Allowance for loan losses

    2,186       1,754  
   

 

 

   

 

 

 

Total capital

  $ 31,846     $ 31,073