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REGULATORY CAPITAL REQUIREMENTS (Tables)
 12 Months Ended
Dec. 31, 2013
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, 2013
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
Total Capital (to Risk Weighted Assets):
 
 
Consolidated
 
$
126,298,617
   
12.10
%
 
$
83,483,686
   
8.00
%
  
N/
A
  
N/
A
Bank
 
$
121,221,937
   
11.63
%
 
$
83,368,967
   
8.00
%
 
$
104,211,209
   
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
                        
Consolidated
 
$
110,260,258
   
10.57
%
 
$
41,741,843
   
4.00
%
  
N/
A
  
N/
A
Bank
 
$
105,239,348
   
10.10
%
 
$
41,684,484
   
4.00
%
 
$
62,526,725
   
6.00
%
Tier 1 Capital (to Average Assets):
                        
Consolidated
 
$
110,260,258
   
8.08
%
 
$
40,940,320
   
3.00
%
  
N/
A
  
N/
A
Bank
 
$
105,239,348
   
7.72
%
 
$
40,900,388
   
3.00
%
 
$
68,167,313
   
5.00
%

As of December 31, 2012
 
  
  
  
  
  
 
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
%