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STOCKHOLDERS' EQUITY AND REGULATORY REQUIREMENTS | 12 Months Ended
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Dec. 31, 2014
Stockholders' Equity Note [Abstract] |
Stockholders' Equity Note Disclosure [Text Block] | NOTE 15—STOCKHOLDERS’ EQUITY AND REGULATORY REQUIREMENTS On January 12, 2009, the Company issued $10 million in nonvoting senior preferred stock to the U.S. Department of Treasury under the Capital Purchase Program. As part of the transaction, the Company also issued warrants to the U.S. Treasury to purchase 173,410 shares of common stock of the Company at an exercise price of $8.65 per share. As a result of the successful completion of a rights offering in October 2009, the number of shares underlying the warrants held by the U.S. Treasury was reduced to 86,705 shares, or 50% of the original 173,410 shares as outlined by the provisions of the Capital Purchase Program. On September 15, 2011, the Company issued $ 11.25 million in nonvoting senior preferred stock to the Treasury under the Small Business Lending Fund Program (“SBLF Program”). Under the Securities Purchase Agreement, the Company issued to the Treasury a total of 11,250 shares of the Company’s Senior Noncumulative Perpetual Preferred Stock, Series B, having a liquidation value of $1,000 per share. Simultaneously, using the proceeds from the issuance of the SBLF Preferred Stock, the Company redeemed from the Treasury, all 10,000 outstanding shares of its Fixed Rate Cumulative Perpetual Preferred Stock, Series A, liquidation amount $1,000 per share, for a redemption price of $10,041,667, including accrued but unpaid dividends up to the date of redemption. The investment in the SBLF program provides the Company with approximately $1.25 million additional Tier 1 capital. The capital received under the program will allow the Company to continue to serve its small business clients through the commercial lending program. The current dividend rate is 1.0% and will increase to 9.0% on January 1, 2016. The Company expects to repurchase all $11.25 million of this preferred stock prior to January 1, 2016 On December 7, 2011, the Company repurchased the warrants issued on January 12, 2009 to the U.S. Treasury as part of its participation in the U.S. Treasury’s TARP Capital Purchase Program. In the repurchase, the Company paid the U.S. Treasury $245,000 for the warrants. Federal Deposit Insurance Corporation (“FDIC”) and the Board of Governors of the Federal Reserve System (“FRB”) regulations require banks to maintain minimum levels of regulatory capital. Under the regulations in effect at December 31, 2013 (but subject to the enhanced requirement described below), the Bank was required to maintain (i) a minimum leverage ratio of Tier I capital to total adjusted assets of 4.00 percent, and (ii) minimum ratios of Tier I and total capital to risk-weighted assets of 4.00 percent and 8.00 percent, respectively. Under its prompt corrective action regulations, the regulators are required to take certain supervisory actions with respect to an undercapitalized institution. Such actions could have a direct material effect on the institution’s financial statements. The regulations establish a framework for the classification of financial institutions into five categories: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized. Generally, an institution is considered well capitalized if it has a leverage (Tier I) capital ratio of at least 5.00 percent; a Tier I risk-based capital ratio of at least 6.00 percent; and a total risk-based capital ratio of at least 10.00 percent. At year-end 2014 and 2013, the most recent regulatory notifications categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the institution’s category. The foregoing capital ratios are based in part on specific quantitative measures of assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by the regulators about capital components, risk weightings and other factors. At December 31, 2014, management believes that the Bank and the Parent Corporation met all capital adequacy requirements to which they are subject. The following is a summary of the Bank’s and the Parent Corporation’s actual capital amounts and ratios as of December 31, 2014 and 2013, compared to the FRB and FDIC minimum capital adequacy requirements and the FRB and FDIC requirements for classification as a well-capitalized institution.
The Bank |  | Amount |  | Ratio |  | Minimum Capital Adequacy |  | For Classification Under Corrective Action Plan as Well Capitalized
| Amount |  | Ratio |  | Amount |  | Ratio
|  | (Dollars in Thousands)
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |
Leverage (Tier 1) capital |  |  | $ |  | 300,399 |  |  |  |  | 9.33 | % |  |  |  | $ |  | 128,729 |  |  |  |  | 4.00 | % |  |  |  | $ |  | 160,911 |  |  |  |  | 5.00 | % |
Risk-Based Capital: |  |  |  |  |  |  |  |  |  |  |  |
Tier 1 |  |  | $ |  | 300,399 |  |  |  |  | 10.40 | % |  |  |  | $ |  | 115,493 |  |  |  |  | 4.00 | % |  |  |  | $ |  | 173,239 |  |  |  |  | 6.00 | % |
Total |  |  |  | 314,769 |  |  |  |  | 10.90 | % |  |  |  |  | 230,986 |  |  |  |  | 8.00 | % |  |  |  |  | 288,732 |  |  |  |  | 10.00 | % |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |
Leverage (Tier 1) capital |  |  | $ |  | 159,431 |  |  |  |  | 9.69 | % |  |  |  | $ |  | 65,813 |  |  |  |  | 4.00 | % |  |  |  | $ |  | 82,266 |  |  |  |  | 5.00 | % |
Risk-Based Capital: |  |  |  |  |  |  |  |  |  |  |  |
Tier 1 |  |  | $ |  | 159,431 |  |  |  |  | 12.10 | % |  |  |  | $ |  | 52,704 |  |  |  |  | 4.00 | % |  |  |  | $ |  | 79,057 |  |  |  |  | 6.00 | % |
Total |  |  |  | 169,974 |  |  |  |  | 12.91 | % |  |  |  |  | 105,329 |  |  |  |  | 8.00 | % |  |  |  |  | 131,661 |  |  |  |  | 10.00 | % |
The Company |  | Amount |  | Ratio |  | Minimum Capital Adequacy |  | For Classification as Well Capitalized
| Amount |  | Ratio |  | Amount |  | Ratio
|  | (Dollars in Thousands)
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |
Leverage (Tier 1) capital |  |  | $ |  | 301,593 |  |  |  |  | 9.37 | % |  |  |  | $ |  | 128,747 |  |  |  |  | 4.00 | % |  |  |  |  | N/A |  |  |  |  | N/A |
Risk-Based Capital: |  |  |  |  |  |  |  |  |  |  |  |
Tier 1 |  |  | $ |  | 301,593 |  |  |  |  | 10.44 | % |  |  |  | $ |  | 115,561 |  |  |  |  | 4.00 | % |  |  |  |  | N/A |  |  |  |  | N/A |
Total |  |  |  | 315,963 |  |  |  |  | 10.94 | % |  |  |  |  | 231,121 |  |  |  |  | 8.00 | % |  |  |  |  | N/A |  |  |  |  | N/A |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |
Leverage (Tier 1) capital |  |  | $ |  | 159,316 |  |  |  |  | 9.69 | % |  |  |  | $ |  | 65,765 |  |  |  |  | 4.00 | % |  |  |  |  | N/A |  |  |  |  | N/A |
Risk-Based Capital: |  |  |  |  |  |  |  |  |  |  |  |
Tier 1 |  |  | $ |  | 159,316 |  |  |  |  | 12.10 | % |  |  |  | $ |  | 52,666 |  |  |  |  | 4.00 | % |  |  |  |  | N/A |  |  |  |  | N/A |
Total |  |  |  | 169,894 |  |  |  |  | 12.90 | % |  |  |  |  | 105,361 |  |  |  |  | 8.00 | % |  |  |  |  | N/A |  |  |  |  | N/A |
The Company issued $ 5.2 million of subordinated debentures in 2003. These securities are included as a component of Tier 1 Capital for regulatory purposes.

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- Definition The entire disclosure for shareholders' equity comprised of portions attributable to the parent entity and noncontrolling interest, including other comprehensive income. Includes, but is not limited to, balances of common stock, preferred stock, additional paid-in capital, other capital and retained earnings, accumulated balance for each classification of other comprehensive income and amount of comprehensive income. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 235 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.4-08.(d),(e)) -URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 505 -SubTopic 10 -Section S99 -Paragraph 4 -Subparagraph (SAB TOPIC 4.C) -URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187143-122770 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.29-31) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section S99 -Paragraph 2 -Subparagraph (SAB TOPIC 4.E) -URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74512-122707 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Staff Accounting Bulletin (SAB) -Number Topic 4 -Section C Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Staff Accounting Bulletin (SAB) -Number Topic 4 -Section E Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 08 -Article 4 Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 505 -SubTopic 10 -Section 50 -Paragraph 6 -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21506-112644 Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Glossary Preferred Stock -URI http://asc.fasb.org/extlink&oid=6521494 Reference 10: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 29, 30, 31 -Article 5 Reference 11: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 04 -Article 3 Reference 12: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 505 -SubTopic 10 -Section 50 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644 Reference 13: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 505 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.3-04) -URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770 Reference 14: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 505 -SubTopic 10 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21475-112644 Reference 15: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 505 -SubTopic 10 -Section 50 -Paragraph 11 -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21564-112644 Reference 16: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 505 -SubTopic 10 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21488-112644 Reference 17: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 505 -SubTopic 10 -Section 50 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21484-112644 Reference 18: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 08 -Paragraph d -Article 4 Reference 19: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 505 -SubTopic 30 -Section 50 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=6405834&loc=d3e23285-112656 + Details
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