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REGULATORY MATTERS (Tables)
 12 Months Ended
Dec. 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:

  
Actual capital ratios
  
Minimum for capital adequacy
  
Minimum to be Well Capitalized under prompt corrective action provisions
 
  
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
December 31, 2014
            
Total capital to risk-weighted assets
 
$
201,476
   
13.25
%
 
$
121,608
   
8.00
%
 
$
152,010
   
10.00
%
Tier 1 capital to risk-weighted assets
  
182,469
   
12.00
%
  
60,804
   
4.00
%
  
91,206
   
6.00
%
Tier 1 capital to adjusted average assets (leverage)
  
182,469
   
9.96
%
  
73,312
   
4.00
%
  
91,640
   
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
%