REGULATORY CAPITAL REQUIREMENTS (Tables)

12 Months Ended

Dec. 31, 2015

Regulatory Capital Requirements Tables

Schedule of Regulatory Capital Requirements

The following tables present the actual and required capital amounts and ratios for the Company and Bank at December 31, 2015 and 2014:

December 31, 2015

	Actual					For Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Provisions
(Dollars in Thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total capital to risk-weighted assets:
Company	$	41,497		15.54	%	$	21,359		8.00	%	$	N/A		N/A
Bank	$	41,169		15.42	%	$	21,357		8.00	%	$	26,696		10.00	%
Tier 1 capital to risk-weighted assets:
Company	$	38,159		14.29	%	$	16,019		6.00	%	$	N/A		N/A
Bank	$	37,831		14.17	%	$	16,018		6.00	%	$	21,357		8.00	%
Tier 1 capital to average assets:
Company	$	38,159		9.63	%	$	15,850		4.00	%	$	N/A		N/A
Bank	$	37,831		9.55	%	$	15,843		4.00	%	$	19,803		5.00	%
Common equity Tier 1 capital
Company	$	38,159		14.29	%	$	12,014		4.50	%	$	N/A		N/A
Bank	$	37,831		14.17	%	$	12,013		4.50	%	$	17,353		6.50	%

December 31, 2014

	Actual					For Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Provisions
(Dollars in Thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total capital to risk-weighted assets:
Company	$	38,752		14.98	%	$	20,694		8.00	%	$	N/A		N/A
Bank	$	38,459		14.88	%	$	20,676		8.00	%	$	25,845		10.00	%
Tier 1 capital to risk-weighted assets:
Company	$	35,517		13.73	%	$	10,347		4.00	%	$	N/A		N/A
Bank	$	35,227		13.63	%	$	10,338		4.00	%	$	15,507		6.00	%
Tier 1 capital to average assets:
Company	$	35,517		9.44	%	$	15,042		4.00	%	$	N/A		N/A
Bank	$	35,227		9.37	%	$	15,033		4.00	%	$	18,792		5.00	%