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REGULATORY MATTERS (Tables)
 12 Months Ended
Dec. 31, 2012
REGULATORY MATTERS [Abstract]  
Actual Capital Amounts and Ratios
The Company's and the Bank's actual capital amounts and ratios are presented in the table below (in thousands):
 
 
Actual
 
 
Required for
Minimum Capital
Adequacy Purposes
 
 
To be Well
Capitalized Under
Prompt Corrective
Action Provisions
 
 
Amount
 
 
Ratio
 
 
Amount
 
 
Ratio
 
 
Amount
 
 
Ratio
 
As of December 31, 2012:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total capital to risk weighted assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Company
 
$
165,302
 
 
 
14.10
%
 
$
93,770
 
 
 
8.00
%
 
 
N/A
 
 
 
N/A
 
Bank
 
$
162,159
 
 
 
13.84
%
 
$
93,703
 
 
 
8.00
%
 
$
117,128
 
 
 
10.00
%
Tier I capital to risk weighted assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Company
 
$
157,753
 
 
 
13.46
%
 
$
46,885
 
 
 
4.00
%
 
 
N/A
 
 
 
N/A
 
Bank
 
$
154,610
 
 
 
13.20
%
 
$
46,851
 
 
 
4.00
%
 
$
70,277
 
 
 
6.00
%
Tier I capital to average assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Company
 
$
157,753
 
 
 
11.82
%
 
$
53,399
 
 
 
4.00
%
 
 
N/A
 
 
 
N/A
 
Bank
 
$
154,610
 
 
 
11.58
%
 
$
53,421
 
 
 
4.00
%
 
$
80,132
 
 
 
6.00
%
 
 
Actual
 
 
Required for
Minimum Capital
Adequacy Purposes
 
 
To be Well
Capitalized Under
Prompt Corrective
Action Provisions
 
 
Amount
 
 
Ratio
 
 
Amount
 
 
Ratio
 
 
Amount
 
 
Ratio
 
As of December 31, 2011:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total capital to risk weighted assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Company
 
$
144,439
 
 
 
16.97
%
 
$
68,085
 
 
 
8.00
%
 
 
N/A
 
 
 
N/A
 
Bank
 
$
116,988
 
 
 
13.75
%
 
$
68,071
 
 
 
8.00
%
 
$
85,089
 
 
 
10.00
%
Tier I capital to risk weighted assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Company
 
$
136,979
 
 
 
16.10
%
 
$
34,043
 
 
 
4.00
%
 
 
N/A
 
 
 
N/A
 
Bank
 
$
109,528
 
 
 
12.87
%
 
$
34,036
 
 
 
4.00
%
 
$
51,054
 
 
 
6.00
%
Tier I capital to average assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Company
 
$
136,979
 
 
 
11.14
%
 
$
49,193
 
 
 
4.00
%
 
 
N/A
 
 
 
N/A
 
Bank
 
$
109,528
 
 
 
8.91
%
 
$
49,149
 
 
 
4.00
%
 
$
73,723
 
 
 
6.00
%