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REGULATORY MATTERS (Tables)
 9 Months Ended
Sep. 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:

      
Minimum
  
Minimum to be Well
 
      
for capital
  
Capitalized under prompt
 
  
Actual capital ratios
  
adequacy
  
corrective action provisions
 
  
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
September 30, 2014
            
Total capital to risk-weighted assets
 
$
195,388
   
13.97
%
 
$
111,863
   
8.00
%
 
$
139,829
   
10.00
%
Tier 1 capital to risk-weighted assets
  
177,890
   
12.72
%
  
55,932
   
4.00
%
  
83,897
   
6.00
%
Tier 1 capital to adjusted average assets (leverage)
  
177,890
   
10.11
%
  
70,350
   
4.00
%
  
87,938
   
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
%