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REGULATORY MATTERS (Tables)
 3 Months Ended
Mar. 31, 2013
REGULATORY MATTERS [Abstract]  
The Bank's actual capital amounts and ratios
The Bank's capital amounts and ratios were as follows (dollars in thousands):

 
 
 
 
 
 
 
Minimum
 
 
Minimum to be "Well
 
 
 
 
 
 
 
 
for capital
 
 
Capitalized" under prompt
 
 
Actual capital ratios
 
 
adequacy
 
 
corrective action provisions
 
 
 
Amount
 
 
Ratio
 
 
Amount
 
 
Ratio
 
 
Amount
 
 
Ratio
 
As of March 31, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total capital to risk-weighted assets
 
$
165,759
 
 
 
17.53
%
 
$
75,625
 
 
 
8.00
%
 
$
94,531
 
 
 
10.00
%
Tier 1 capital to risk-weighted assets
 
 
153,865
 
 
 
16.28
%
 
 
37,812
 
 
 
4.00
%
 
 
56,719
 
 
 
6.00
%
Tier 1 capital to adjusted average assets (leverage)
 
 
153,865
 
 
 
9.77
%
 
 
62,997
 
 
 
4.00
%
 
 
78,746
 
 
 
5.00
%
As of December 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total capital to risk-weighted assets
 
$
162,458
 
 
 
18.05
%
 
$
72,020
 
 
 
8.00
%
 
$
90,025
 
 
 
10.00
%
Tier 1 capital to risk-weighted assets
 
 
151,121
 
 
 
16.79
%
 
 
36,010
 
 
 
4.00
%
 
 
54,015
 
 
 
6.00
%
Tier 1 capital to adjusted average assets (leverage)
 
 
151,121
 
 
 
9.74
%
 
 
62,092
 
 
 
4.00
%
 
 
77,615
 
 
 
5.00
%