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REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2015

REGULATORY MATTERS [Abstract]

Capital ratios under banking regulations

The Company and Bank’s computed risk-based capital ratios are as follows as of December 31, 2015 and 2014 (dollars in thousands):

	Actual		For Capital Adequacy Purposes		To Be Well Capitalized Under Prompt Corrective Action Provisions
2015	Amount	Ratio	Amount	Ratio	Amount	Ratio
Total Capital (to Risk Weighted Assets):
Company	$         114,886	16.23%	$            56,630	8.00%	$      70,787	10.00%
Bank	$         108,232	15.34%	$            56,443	8.00%	$      70,554	10.00%
Tier 1 Capital (to Risk Weighted Assets):
Company	$         107,612	15.20%	$            42,472	6.00%	$      56,630	8.00%
Bank	$         100,958	14.31%	$            42,332	6.00%	$      56,443	8.00%
Common Equity Tier 1 Capital (to Risk Weighted Assets):
Company	$         100,112	14.14%	$            31,854	4.50%	$      46,012	6.50%
Bank	$         100,958	14.31%	$            31,749	4.50%	$      45,860	6.50%
Tier 1 Capital (to Average Assets):
Company	$         107,612	11.01%	$            39,083	4.00%	$      48,854	5.00%
Bank	$         100,958	10.35%	$            39,006	4.00%	$      48,757	5.00%

	Actual		For Capital Adequacy Purposes		To Be Well Capitalized Under Prompt Corrective Action Provisions
2014	Amount	Ratio	Amount	Ratio	Amount	Ratio
Total Capital (to Risk Weighted Assets):
Company	$         106,891	18.55%	$            46,105	8.00%	$      57,631	10.00%
Bank	$           97,498	16.97%	$            45,969	8.00%	$      57,462	10.00%
Tier 1 Capital (to Risk Weighted Assets):
Company	$           99,692	17.30%	$            23,053	4.00%	$      34,579	6.00%
Bank	$           90,500	15.75%	$            22,985	4.00%	$      34,477	6.00%
Common Equity Tier 1 Capital (to Risk Weighted Assets):
Company	N/A	N/A	N/A	N/A	N/A	N/A
Bank	N/A	N/A	N/A	N/A	N/A	N/A
Tier 1 Capital (to Average Assets):
Company	$           99,692	10.99%	$            36,272	4.00%	$      45,341	5.00%
Bank	$           90,500	10.00%	$            36,218	4.00%	$      45,273	5.00%

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- References

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- 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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1G
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958577-112826

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