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REGULATORY MATTERS (Tables)
 6 Months Ended
Jun. 30, 2014
REGULATORY MATTERS [Abstract]  
The Bank's actual capital amounts and ratios
The Bank’s capital amounts (in thousands) and ratios are as follows:

 
 
Actual capital ratios
  
Minimum
for capital
adequacy
  
Minimum to be Well
Capitalized under prompt
corrective action provisions
 
 
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
June 30, 2014
 
  
  
  
  
  
 
Total capital to risk-weighted assets
 
$
192,675
   
14.44
%
 
$
106,756
   
8.00
%
 
$
133,446
   
10.00
%
Tier 1 capital to risk-weighted assets
  
175,969
   
13.19
%
  
53,378
   
4.00
%
  
80,067
   
6.00
%
Tier 1 capital to adjusted average assets (leverage)
  
175,969
   
10.19
%
  
69,062
   
4.00
%
  
86,328
   
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
%