STOCKHOLDERS' EQUITY AND REGULATORY MATTERS (Tables)

3 Months Ended

Mar. 31, 2015

STOCKHOLDERS' EQUITY AND REGULATORY MATTERS [Abstract]

Shown below is a summary of regulatory capital ratios for the Company:

	Mar 31, 2015			December 31, 2014			Regulatory Minimum Requirements (1)			To Be Considered Well Capitalized (1)
Common Equity Tier 1 Capital (to Risk-Weighted Assets)		13.2	%		n/a			4.5	%		6.5	%
Tier 1 Capital (to Risk-Weighted Assets) (1)		13.2	%		13.3	%		6.0	%		8.0	%
Total Capital (to Risk-Weighted Assets)		14.4	%		14.6	%		8.0	%		10.0	%
Tier 1 Capital (to Average Assets)		9.4	%		9.1	%		4.0	%		5.0	%
(1) The regulatory requirements presented in the table are effective as of January 1, 2015. At December 31, 2014, the minimum Tier 1 capital to risk-weighted assets ratio was 4.0% and to be considered well capitalized the ratio was required to be at least 6.0%

- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

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