STOCKHOLDERS' EQUITY (Tables)

12 Months Ended

Dec. 31, 2017

STOCKHOLDERS' EQUITY [Abstract]

Company and Subsidiary Banks' Capital Amounts and Ratios

The Company's and the subsidiary Banks' capital amounts and ratios as of December 31, 2017 are presented in the table below.

											To Be Well Capitalized
						For Capital					Under Prompt Corrective
	Actual					Adequacy Purposes (1)					Action Provisions
2017	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total Capital (to risk-weighted assets):
Consolidated (2)	$	168,072		15.6	%	$	86,401		8	%	$	108,001		10	%
Premier Bank, Inc.		123,444		15.4			64,300		8			80,375		10
Citizens Deposit Bank		40,839		14.8			22,078		8			27,598		10
Tier I Capital (to risk-weighted assets):
Consolidated (2)	$	155,968		14.4	%	$	64,800		6	%	$	86,401		8	%
Premier Bank, Inc.		113,938		14.2			48,225		6			64,300		8
Citizens Deposit Bank		38,241		13.9			16,559		6			22,078		8
Common Equity Tier I Capital (to risk-weighted assets):
Consolidated (2)	$	150,069		13.9	%	$	48,600		4.5	%	$	70,201		6.5	%
Premier Bank, Inc.		113,938		14.2			36,169		4.5			52,244		6.5
Citizens Deposit Bank		38,241		13.9			12,419		4.5			17,939		6.5
Tier I Capital (to average assets):
Consolidated (2)	$	155,968		10.7	%	$	58,484		4	%	$	73,106		5	%
Premier Bank, Inc.		113,938		11.0			41,618		4			52,022		5
Citizens Deposit Bank		38,241		9.0			16,947		4			21,183		5

⁽¹⁾ The ratios for capital adequacy purposes do not include the additional capital conservation buffer.

⁽²⁾ The consolidated company is not subject to Prompt Corrective Action Provisions.

The Company's and the subsidiary Banks' capital amounts and ratios as of December 31, 2016 are presented in the table below.

											To Be Well Capitalized
						For Capital					Under Prompt Corrective
	Actual					Adequacy Purposes					Action Provisions
2016	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total Capital (to Risk-Weighted Assets):
Consolidated (1)	$	158,433		15.0	%	$	84,779		8	%	$	105,973		10	%
Premier Bank, Inc.		119,860		15.3			62,720		8			78,400		10
Citizens Deposit Bank		39,725		14.3			22,181		8			27,727		10
Tier I Capital (to Risk-Weighted Assets):
Consolidated (1)	$	147,597		13.9	%	$	63,584		6	%	$	84,779		8	%
Premier Bank, Inc.		111,538		14.2			47,040		6			62,720		8
Citizens Deposit Bank		37,211		13.4			16,636		6			22,181		8
Common Equity Tier I Capital (to Risk-Weighted Assets):
Consolidated (1)	$	142,024		13.4	%	$	47,688		4.5	%	$	68,883		6.5	%
Premier Bank, Inc.		111,538		14.2			35,280		4.5			50,960		6.5
Citizens Deposit Bank		37,211		13.4			12,477		4.5			18,022		6.5
Tier I Capital (to Average Assets):
Consolidated (1)	$	147,597		10.1	%	$	58,420		4	%	$	73,025		5	%
Premier Bank, Inc.		111,538		10.6			42,159		4			52,699		5
Citizens Deposit Bank		37,211		9.1			16,289		4			20,361		5
(1) The consolidated company is not subject to Prompt Corrective Action Provisions.