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REGULATORY MATTERS (Tables)
 6 Months Ended
Jun. 30, 2016
REGULATORY MATTERS [Abstract]  
The Bank's actual capital amounts and ratios
The Bank’s capital amounts (in thousands) and ratios are presented in the table that follows. The minimum amounts presented therein reference the minimums required by capital regulations and not the individual minimum capital ratios the OCC established for the Bank.

  
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, 2016
                  
Total capital to risk-weighted assets
 
$
232,576
   
13.10
%
 
$
142,039
   
8.00
%
 
$
177,549
   
10.00
%
Tier 1 capital to risk-weighted assets
  
211,371
   
11.90
%
  
106,529
   
6.00
%
  
142,039
   
8.00
%
Common equity tier 1 capital to risk-weighted assets
  
211,371
   
11.90
%
  
79,897
   
4.50
%
  
115,407
   
6.50
%
Tier 1 capital to adjusted average assets (leverage)
  
211,371
   
9.55
%
  
88,562
   
4.00
%
  
110,703
   
5.00
%
                         
December 31, 2015
                        
Total capital to risk-weighted assets
 
$
219,562
   
12.66
%
 
$
138,716
   
8.00
%
 
$
173,395
   
10.00
%
Tier 1 capital to risk-weighted assets
  
198,587
   
11.45
%
  
104,037
   
6.00
%
  
138,716
   
8.00
%
Common equity tier 1 capital to risk-weighted assets
  
198,587
   
11.45
%
  
78,028
   
4.50
%
  
112,706
   
6.50
%
Tier 1 capital to adjusted average assets (leverage)
  
198,587
   
9.58
%
  
82,905
   
4.00
%
  
103,632
   
5.00
%