REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2014

REGULATORY MATTERS [Abstract]

Capital ratios under banking regulations

The following table reflects the Company’s capital ratios at December 31 (dollars in thousands):

	2014		2013
Total capital (to risk-weighted assets)	Amount	Ratio	Amount	Ratio
Company	$      106,891	18.55%	$      100,320	17.75%
For capital adequacy purposes	46,105	8.00%	45,211	8.00%
To be well capitalized	57,631	10.00%	56,514	10.00%
Tier I capital (to risk-weighted assets)
Company	$        99,692	17.30%	$        92,902	16.44%
For capital adequacy purposes	23,053	4.00%	22,606	4.00%
To be well capitalized	34,579	6.00%	33,908	6.00%
Tier I capital (to average assets)
Company	$        99,692	10.99%	$        92,902	10.42%
For capital adequacy purposes	36,272	4.00%	35,669	4.00%
To be well capitalized	45,341	5.00%	44,587	5.00%

The following table reflects the Bank’s capital ratios at December 31 (dollars in thousands):

	2014		2013
Total capital (to risk-weighted assets)	Amount	Ratio	Amount	Ratio
Bank	$        97,498	16.97%	$        97,863	17.35%
For capital adequacy purposes	45,969	8.00%	45,135	8.00%
To be well capitalized	57,462	10.00%	56,418	10.00%
Tier I capital (to risk-weighted assets)
Bank	$        90,500	15.75%	$        90,639	16.07%
For capital adequacy purposes	22,985	4.00%	22,567	4.00%
To be well capitalized	34,477	6.00%	33,851	6.00%
Tier I capital (to average assets)
Bank	$        90,500	10.00%	$        90,639	10.18%
For capital adequacy purposes	36,218	4.00%	35,615	4.00%
To be well capitalized	45,273	5.00%	44,519	5.00%