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REGULATORY MATTERS (Tables)
 12 Months Ended
Dec. 31, 2012
REGULATORY MATTERS [Abstract]  
Capital ratios under banking regulations
The following table reflects the Company's capital ratios at December 31 (dollars in thousands):
 
 
 
2012
 
 
2011
 
Total capital (to risk-weighted assets)
 
Amount
 
 
Ratio
 
 
Amount
 
 
Ratio
 
Company
 
$
90,889
 
 
 
17.50
%
 
$
82,050
 
 
 
16.23
%
For capital adequacy purposes
 
 
41,546
 
 
 
8.00
%
 
 
40,432
 
 
 
8.00
%
To be well capitalized
 
 
51,932
 
 
 
10.00
%
 
 
50,540
 
 
 
10.00
%
Tier I capital (to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Company
 
$
84,166
 
 
 
16.21
%
 
$
75,541
 
 
 
14.95
%
For capital adequacy purposes
 
 
20,773
 
 
 
4.00
%
 
 
20,216
 
 
 
4.00
%
To be well capitalized
 
 
31,159
 
 
 
6.00
%
 
 
30,324
 
 
 
6.00
%
Tier I capital (to average assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Company
 
$
84,166
 
 
 
9.70
%
 
$
75,541
 
 
 
8.83
%
For capital adequacy purposes
 
 
34,692
 
 
 
4.00
%
 
 
34,223
 
 
 
4.00
%
To be well capitalized
 
 
43,366
 
 
 
5.00
%
 
 
42,779
 
 
 
5.00
%
 
The following table reflects the Bank's capital ratios at December 31 (dollars in thousands):
 
 
 
2012
 
 
2011
 
Total capital (to risk-weighted assets)
 
Amount
 
 
Ratio
 
 
Amount
 
 
Ratio
 
Bank
 
$
87,215
 
 
 
16.84
%
 
$
77,051
 
 
 
15.29
%
For capital adequacy purposes
 
 
41,425
 
 
 
8.00
%
 
 
40,326
 
 
 
8.00
%
To be well capitalized
 
 
51,781
 
 
 
10.00
%
 
 
50,408
 
 
 
10.00
%
Tier I capital (to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Bank
 
$
80,702
 
 
 
15.59
%
 
$
70,729
 
 
 
14.03
%
For capital adequacy purposes
 
 
20,713
 
 
 
4.00
%
 
 
20,163
 
 
 
4.00
%
To be well capitalized
 
 
31,069
 
 
 
6.00
%
 
 
30,245
 
 
 
6.00
%
Tier I capital (to average assets)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Bank
 
$
80,702
 
 
 
9.32
%
 
$
70,729
 
 
 
8.28
%
For capital adequacy purposes
 
 
34,634
 
 
 
4.00
%
 
 
34,166
 
 
 
4.00
%
To be well capitalized
 
 
43,293
 
 
 
5.00
%
 
 
42,708
 
 
 
5.00
%