CAPITAL RATIOS (Tables)

12 Months Ended

Dec. 31, 2015

Capital Ratios

Schedule of actual capital amounts and ratios

											To be Well Capitalized
						For Capital					Under Prompt Corrective
	Actual					Adequacy Purposes					Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
	2015
Common Equity Tier 1 Capital to Risk Weighted Assets	$	68,467,000		14.29	%	$	21,555,000		4.50	%		N/A		N/A
Tier I Capital to Adjusted Total Assets		68,467,000		10.28	%		26,651,000		4.00	%		N/A		N/A
Tier I Capital to Risk Weighted Assets		68,467,000		14.29	%		28,740,000		6.00	%		N/A		N/A
Total Capital to Risk Weighted Assets		77,389,000		16.16	%		38,321,000		8.00	%		N/A		N/A
	2014
Tier I Capital to Adjusted Total Assets	$	65,256,000		10.54	%	$	24,764,000		4.00	%		N/A		N/A
Tier I Capital to Risk Weighted Assets		65,256,000		15.70	%		16,630,000		4.00	%		N/A		N/A
Total Capital to Risk Weighted Assets		73,210,000		17.61	%		33,260,000		8.00	%		N/A		N/A

Bank

Capital Ratios

Schedule of actual capital amounts and ratios

	Actual					For Capital  Adequacy Purposes					To be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
	2015
Common Equity Tier 1 Capital to Risk Weighted Assets	$	71,273,000		14.89	%	$	21,546,000		4.50	%	$	31,122,000		6.50	%
Tier I Capital to Adjusted Total Assets		71,273,000		11.47	%		24,855,000		4.00	%		31,069,000		5.00	%
Tier I Capital to Risk Weighted Assets		71,273,000		14.89	%		28,728,000		6.00	%		38,303,000		8.00	%
Total Capital to Risk Weighted Assets		76,195,000		15.91	%		38,303,000		8.00	%		47,879,000		10.00	%
	2014
Tier I Capital to Adjusted Total Assets	$	67,995,000		11.22	%	$	24,235,000		4.00	%	$	30,294,000		5.00	%
Tier I Capital to Risk Weighted Assets		67,995,000		16.36	%		16,623,000		4.00	%		24,935,000		6.00	%
Total Capital to Risk Weighted Assets		71,949,000		17.31	%		33,247,000		8.00	%		41,558,000		10.00	%