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CASH AND DUE FROM BANKS
12 Months Ended
Dec. 31, 2012
CASH AND DUE FROM BANKS [Abstract]  
CASH AND DUE FROM BANKS

2. CASH AND DUE FROM DEPOSITORY INSTITUTIONS

Included in "Cash and due from depository institutions" are required federal reserves of $0 and $150,000 at December 31, 2012 and 2011, respectively, for facilitating the implementation of monetary policy by the Federal Reserve System. The required reserves are computed by applying prescribed ratios to the classes of average deposit balances. These are held in the form of vault cash and a depository amount held with the Federal Reserve Bank.