XML 23 R48.htm IDEA: XBRL DOCUMENT v2.4.1.9
REGULATORY MATTERS (Tables)
 12 Months Ended
Dec. 31, 2014
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, 2014:
            
Total capital to risk-weighted assets:
            
Company
 
$
190,060
   
13.73
%
 
$
110,758
   
8.00
%
  
N/A
 
  
N/A
 
Bank
 
$
179,225
   
12.94
%
 
$
110,842
   
8.00
%
 
$
138,552
   
10.00
%
Tier I capital to risk-weighted assets:
                        
Company
 
$
178,649
   
12.90
%
 
$
55,379
   
4.00
%
  
N/A
 
  
N/A
 
Bank
 
$
167,814
   
12.11
%
 
$
55,421
   
4.00
%
 
$
83,131
   
6.00
%
Tier I capital to average assets:
                        
Company
 
$
178,649
   
9.52
%
 
$
75,029
   
4.00
%
  
N/A
 
  
N/A
 
Bank
 
$
167,814
   
8.95
%
 
$
74,994
   
4.00
%
 
$
112,492
   
5.00
%

  
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, 2013:
            
Total capital to risk-weighted assets:
            
Company
 
$
178,343
   
14.19
%
 
$
100,536
   
8.00
%
  
N/A
 
  
N/A
 
Bank
 
$
170,262
   
13.56
%
 
$
100,466
   
8.00
%
 
$
125,582
   
10.00
%
Tier I capital to risk-weighted assets:
                        
Company
 
$
169,242
   
13.47
%
 
$
50,268
   
4.00
%
  
N/A
 
  
N/A
 
Bank
 
$
161,283
   
12.84
%
 
$
50,233
   
4.00
%
 
$
75,349
   
6.00
%
Tier I capital to average assets:
                        
Company
 
$
169,242
   
9.35
%
 
$
72,405
   
4.00
%
  
N/A
 
  
N/A
 
Bank
 
$
161,283
   
8.91
%
 
$
72,384
   
4.00
%
 
$
108,576
   
5.00
%