REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2018

REGULATORY MATTERS [Abstract]

Regulatory Capital Requirements

Actual and required capital amounts and ratios as of the dates indicated are presented below:

	Actual					For Capital Adequacy Purposes(1)					To Be Categorized as “Well Capitalized”(1)
As of December 31, 2018	Amount		Ratio			Amount		Minimum Ratio			Amount		Minimum Ratio
Tier 1 Capital / % of average total assets
Bank	$	640,386		10.31	%	$	248,447		4.0	%	$	310,559		5.0	%
Consolidated Company		552,943		8.92			247,842		4.0			N/A		N/A
Common equity Tier 1 capital / % of risk weighted assets
Bank		640,386		13.34			216,103		4.5			312,149		N/A
Consolidated Company		552,943		11.50			216,361		4.5			N/A		6.5
Tier 1 Capital / % of risk weighted assets
Bank		640,386		13.34			288,137		6.0			384,183		8.0
Consolidated Company		552,943		11.50			288,481		6.0			N/A		N/A
Total Capital / % of risk weighted assets
Bank		662,613		13.80			384,183		8.0			480,229		10.0
Consolidated Company		690,170		14.35			384,642		8.0			N/A		N/A

(1) In accordance with the Basel III rules.

	Actual					For Capital Adequacy Purposes(1)					To Be Categorized as “Well Capitalized”(1)
As of December 31, 2017	Amount		Ratio			Amount		Minimum Ratio			Amount		Minimum Ratio
Tier 1 Capital / % of average total assets
Bank	$	591,380		9.32	%	$	256,071		4.0	%	$	320,089		5.0	%
Consolidated Company		546,571		8.61			256,029		4.0			N/A		N/A
Common equity Tier 1 capital / % of risk weighted assets
Bank		591,380		12.38			214,984		4.5			310,532		6.5
Consolidated Company		546,571		11.42			215,424		4.5			N/A		N/A
Tier 1 Capital / % of risk weighted assets
Bank		591,380		12.38			286,645		6.0			382,194		8.0
Consolidated Company		546,571		11.42			287,232		6.0			N/A		N/A
Total Capital / % of risk weighted assets
Bank		612,858		12.83			382,194		8.0			477,742		10.0
Consolidated Company		683,049		14.27			382,976		8.0			N/A		N/A

(1) In accordance with the Basel III rules.