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REGULATORY MATTERS (Tables)
 12 Months Ended
Dec. 31, 2012
REGULATORY MATTERS [Abstract]  
Regulatory Capital
The Bank's actual capital amounts and ratios are presented in the following table:
 
Actual
For capital adequacy purposes
To be well capitalized under prompt
corrective action provision
Amount
Ratio
Amount
Ratio
Amount
Ratio
At December 31, 2012
Tangible capital (to tangible assets)
$
73,612
10.45
%
$
10,562
1.50
%
$
—
N/A
Core capital (to adjusted  tangible assets)
73,612
10.45
%
28,164
4.00
%
35,206
5.00
%
Tier 1 capital (to risk weighted assets)
73,612
16.63
%
17,703
4.00
%
26,555
6.00
%
Total Risk
79,161
17.89
%
35,407
8.00
%
44,259
10.00
%
At December 31, 2011
Tangible capital (to tangible assets)
69,144
10.21
%
10,154
1.50
%
—
N/A
Core capital (to adjusted  tangible assets)
69,144
10.21
%
27,078
4.00
%
33,847
5.00
%
Tier 1 capital (to risk weighted assets)
69,144
17.31
%
15,976
4.00
%
23,965
6.00
%
Total Risk
74,147
18.56
%
31,953
8.00
%
39,941
10.00
%