REGULATORY RESTRICTIONS (Tables)

3 Months Ended

Mar. 31, 2016

Regulatory Capital Requirements [Abstract]

Schedule of Capital Ratios

Capital ratios for the Bank and the Company are presented in the table below.

	Actual Ratio				Minimum For Capital Adequacy Purposes		Minimum to be Well Capitalized under Prompt Corrective Action Provisions
	3/31/2016		12/31/2015		Ratio		Ratio
Bank
Total Capital (to Risk Weighted Assets)	15.5	%	15.6	%	8.0	%	10.0	%
Tier I Capital (to Risk Weighted Assets)	14.2	%	14.4	%	6.0	%	8.0	%
Common Equity Tier 1 Capital (to Risk Weighted Assets)	14.2	%	14.4	%	4.5	%	6.5	%
Tier I Capital (to Average Assets)	10.5	%	10.2	%	4.0	%	5.0	%
Company
Total Capital (to Risk Weighted Assets)	15.8	%	16.0	%	8.0	%	N/A
Tier I Capital (to Risk Weighted Assets)	12.3	%	12.4	%	6.0	%	N/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)	10.7	%	11.3	%	4.5	%	N/A
Tier I Capital (to Average Assets)	9.1	%	8.8	%	4.0	%	N/A