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REGULATORY CAPITAL REQUIREMENTS (Tables)
 12 Months Ended
Dec. 31, 2012
REGULATORY CAPITAL REQUIREMENTS [Abstract]  
Actual capital amounts and ratios of the Corporation and the Bank
The actual capital amounts and ratios of the Corporation and the Bank are presented in the following table:

 
 
Actual
 
 
Required To Be Adequately Capitalized
 
 
Required To Be Well
Capitalized
 
As of December 31, 2012
 
Amount
 
 
Ratio
 
 
Amount
 
 
Ratio
 
 
Amount
 
 
Ratio
 
Total Capital (to Risk Weighted Assets):
 
 
 
     Consolidated
 
$
119,894,319
 
 
 
13.10
%
 
$
73,208,463
 
 
 
8.00
%
 
 
N/A
 
 
 
N/A
 
     Bank
 
$
115,391,331
 
 
 
12.64
%
 
$
73,044,522
 
 
 
8.00
%
 
$
91,305,653
 
 
 
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     Consolidated
 
$
106,924,553
 
 
 
11.68
%
 
$
36,604,232
 
 
 
4.00
%
 
 
N/A
 
 
 
N/A
 
     Bank
 
$
102,459,917
 
 
 
11.22
%
 
$
36,522,261
 
 
 
4.00
%
 
$
54,783,392
 
 
 
6.00
%
Tier 1 Capital (to Average Assets):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     Consolidated
 
$
106,924,553
 
 
 
8.74
%
 
$
36,701,105
 
 
 
3.00
%
 
 
N/A
 
 
 
N/A
 
     Bank
 
$
102,459,917
 
 
 
8.39
%
 
$
36,630,566
 
 
 
3.00
%
 
$
61,050,944
 
 
 
5.00
%


As of December 31, 2011
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Capital (to Risk Weighted Assets):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     Consolidated
 
$
111,192,989
 
 
 
13.28
%
 
$
66,991,368
 
 
 
8.00
%
 
 
N/A
 
 
 
N/A
 
     Bank
 
$
106,812,516
 
 
 
12.80
%
 
$
66,770,561
 
 
 
8.00
%
 
$
83,463,201
 
 
 
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     Consolidated
 
$
99,174,854
 
 
 
11.84
%
 
$
33,495,684
 
 
 
4.00
%
 
 
N/A
 
 
 
N/A
 
     Bank
 
$
94,834,026
 
 
 
11.36
%
 
$
33,385,280
 
 
 
4.00
%
 
$
50,077,921
 
 
 
6.00
%
Tier 1 Capital (to Average Assets):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     Consolidated
 
$
99,174,854
 
 
 
8.27
%
 
$
35,997,486
 
 
 
3.00
%
 
 
N/A
 
 
 
N/A
 
     Bank
 
$
94,834,026
 
 
 
7.92
%
 
$
35,910,987
 
 
 
3.00
%
 
$
59,851,645
 
 
 
5.00
%