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REGULATORY MATTERS (Tables)
 3 Months Ended
Mar. 31, 2014
REGULATORY MATTERS [Abstract]  
The Bank's actual capital amounts and ratios
The Bank’s capital amounts (in thousands) and ratios are as follows:
 
 
 
  
  
Minimum
  
Minimum to be Well
 
 
 
  
  
for capital
  
Capitalized under prompt
 
 
 
Actual capital ratios
  
adequacy
  
corrective action provisions
 
 
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
March 31, 2014
 
  
  
  
  
  
 
Total capital to risk-weighted assets
 
$
188,551
   
14.73
%
 
$
102,394
   
8.00
%
 
$
127,992
   
10.00
%
Tier 1 capital to risk-weighted assets
  
172,527
   
13.48
%
  
51,197
   
4.00
%
  
76,795
   
6.00
%
Tier 1 capital to adjusted average assets (leverage)
  
172,527
   
10.20
%
  
67,629
   
4.00
%
  
84,536
   
5.00
%
 
                        
December 31, 2013
                        
Total capital to risk-weighted assets
 
$
181,952
   
14.92
%
 
$
97,542
   
8.00
%
 
$
121,927
   
10.00
%
Tier 1 capital to risk-weighted assets
  
166,683
   
13.67
%
  
48,771
   
4.00
%
  
73,156
   
6.00
%
Tier 1 capital to adjusted average assets (leverage)
  
166,683
   
9.74
%
  
68,454
   
4.00
%
  
85,567
   
5.00
%