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CAPITAL REQUIREMENTS (Tables)
 12 Months Ended
Dec. 31, 2015
Banking and Thrift [Abstract]  
Schedule of the Company's and the Bank's actual capital ratios showing that both met all regulatory capital requirements
The Company’s and the Banks' actual capital ratios are presented in the following tables, which shows that the Company and both Banks met all regulatory capital requirements.
 
Consolidated Company
 
 
 
 
 
 
 
 
 
 
 
2015
 
2014
(In Thousands)
 
Amount
 
Ratio
 
Amount
 
Ratio
Common Equity Tier I Capital (to Risk-weighted Assets)
 
 

 
 

 
 

 
 

Actual
 
$
121,665

 
11.24
%
 
N/A

 
N/A

For Capital Adequacy Purposes
 
48,722

 
4.50
%
 
N/A

 
N/A

To Be Well Capitalized
 
70,377

 
6.50
%
 
N/A

 
N/A

Total Capital (to Risk-weighted Assets)
 
 

 
 

 
 

 
 

Actual
 
$
134,067

 
12.38
%
 
$
123,371

 
12.65
%
For Capital Adequacy Purposes
 
86,617

 
8.00
%
 
78,019

 
8.00
%
To Be Well Capitalized
 
108,272

 
10.00
%
 
97,524

 
10.00
%
Tier I Capital (to Risk-weighted Assets)
 
 

 
 

 
 

 
 

Actual
 
$
121,665

 
11.24
%
 
$
112,290

 
11.51
%
For Capital Adequacy Purposes
 
64,963

 
6.00
%
 
39,010

 
4.00
%
To Be Well Capitalized
 
86,617

 
8.00
%
 
58,514

 
6.00
%
Tier I Capital (to Average Assets)
 
 

 
 

 
 

 
 

Actual
 
$
121,665

 
9.38
%
 
$
112,290

 
9.27
%
For Capital Adequacy Purposes
 
51,862

 
4.00
%
 
48,476

 
4.00
%
To Be Well Capitalized
 
64,828

 
5.00
%
 
60,595

 
5.00
%

Jersey Shore State Bank
 
 
 
 
 
 
 
2015
 
2014
(In Thousands)
 
Amount
 
Ratio
 
Amount
 
Ratio
Common Equity Tier I Capital (to Risk-weighted Assets)
 
 

 
 

 
 

 
 

Actual
 
$
82,682

 
10.70
%
 
N/A

 
N/A

For Capital Adequacy Purposes
 
34,773

 
4.50
%
 
N/A

 
N/A

To Be Well Capitalized
 
50,227

 
6.50
%
 
N/A

 
N/A

Total Capital (to Risk-weighted Assets)
 
 

 
 

 
 

 
 

Actual
 
$
92,036

 
11.91
%
 
$
83,183

 
12.30
%
For Capital Adequacy Purposes
 
61,818

 
8.00
%
 
54,086

 
8.00
%
To Be Well Capitalized
 
77,272

 
10.00
%
 
67,608

 
10.00
%
Tier I Capital (to Risk-weighted Assets)
 
 

 
 

 
 

 
 

Actual
 
$
82,682

 
10.70
%
 
$
74,730

 
11.05
%
For Capital Adequacy Purposes
 
46,363

 
6.00
%
 
27,043

 
4.00
%
To Be Well Capitalized
 
61,818

 
8.00
%
 
40,565

 
6.00
%
Tier I Capital (to Average Assets)
 
 

 
 

 
 

 
 

Actual
 
$
82,682

 
8.66
%
 
$
74,730

 
8.50
%
For Capital Adequacy Purposes
 
38,175

 
4.00
%
 
35,175

 
4.00
%
To Be Well Capitalized
 
47,719

 
5.00
%
 
43,968

 
5.00
%

 
 
Luzerne Bank
 
 
 
 
 
 
 
 
 
2015
 
2014
(In Thousands)
 
Amount
 
Ratio
 
 
 
 
Common Equity Tier I Capital (to Risk-weighted Assets)
 
 

 
 

 
 
 
 
Actual
 
$
30,549

 
10.66
%
 
N/A

 
N/A

For Capital Adequacy Purposes
 
12,901

 
4.50
%
 
N/A

 
N/A

To Be Well Capitalized
 
18,635

 
6.50
%
 
N/A

 
N/A

Total Capital (to Risk-weighted Assets)
 
 

 
 

 
 
 
 
Actual
 
$
33,274

 
11.61
%
 
$
29,856

 
10.23
%
For Capital Adequacy Purposes
 
22,935

 
8.00
%
 
23,341

 
8.00
%
To Be Well Capitalized
 
28,669

 
10.00
%
 
29,176

 
10.00
%
Tier I Capital (to Risk-weighted Assets)
 
 

 
 

 
 

 
 

Actual
 
$
30,549

 
10.66
%
 
$
27,886

 
9.56
%
For Capital Adequacy Purposes
 
17,201

 
6.00
%
 
11,670

 
4.00
%
To Be Well Capitalized
 
22,935

 
8.00
%
 
17,506

 
6.00
%
Tier I Capital (to Average Assets)
 
 

 
 

 
 

 
 

Actual
 
$
30,549

 
8.90
%
 
$
27,886

 
8.56
%
For Capital Adequacy Purposes
 
13,725

 
4.00
%
 
13,032

 
4.00
%
To Be Well Capitalized
 
17,157

 
5.00
%
 
16,289

 
5.00
%