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REGULATORY MATTERS (Tables)
 6 Months Ended
Jun. 30, 2013
REGULATORY MATTERS [Abstract]  
The Bank's actual capital amounts and ratios
The Bank’s capital amounts and ratios were as follows (dollars in thousands):
 
 
 
  
  
Minimum
  
Minimum to be "Well
 
 
 
  
  
for capital
  
Capitalized" under prompt
 
 
 
Actual capital ratios
  
adequacy
  
corrective action provisions
 
 
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
June 30, 2013
 
  
  
  
  
  
 
Total capital to risk-weighted assets
 
$
170,570
   
15.89
%
 
$
85,874
   
8.00
%
 
$
107,343
   
10.00
%
Tier 1 capital to risk-weighted assets
  
157,101
   
14.64
%
  
42,937
   
4.00
%
  
64,406
   
6.00
%
Tier 1 capital to adjusted average assets (leverage)
  
157,101
   
9.69
%
  
64,828
   
4.00
%
  
81,036
   
5.00
%
 
                        
December 31, 2012
                        
Total capital to risk-weighted assets
 
$
162,458
   
18.05
%
 
$
72,020
   
8.00
%
 
$
90,025
   
10.00
%
Tier 1 capital to risk-weighted assets
  
151,121
   
16.79
%
  
36,010
   
4.00
%
  
54,015
   
6.00
%
Tier 1 capital to adjusted average assets (leverage)
  
151,121
   
9.74
%
  
62,092
   
4.00
%
  
77,615
   
5.00
%