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STOCKHOLDERS' EQUITY (Tables)
12 Months Ended
Dec. 31, 2012
STOCKHOLDERS' EQUITY  
Schedule of the Company's and Bank's actual capital amounts and ratios

The Company's and the Bank's actual capital amounts and ratios are also presented in the table below (in thousands):

 
  Actual   For Capital
Adequacy
Purposes
  To Be Well
Capitalized
Under Prompt
Corrective
Action
Provisions
 
 
  Amount   Ratio   Amount   Ratio   Amount   Ratio  

As of December 31, 2012

                                     

Total capital (to risk weighted assets):

                                     

Consolidated

  $ 44,422     19 % $ 19,038     8 %   N/A     N/A  

Bank

    44,099     19 %   19,019     8 % $ 23,774     10 %

Tier I capital (to risk weighted assets):

                                     

Consolidated

    41,441     17 %   9,519     4 %   N/A     N/A  

Bank

    41,121     17 %   9,510     4 %   14,265     6 %

Tier I capital (to average assets):

                                     

Consolidated

    41,441     11 %   15,455     4 %   N/A     N/A  

Bank

    41,121     11 %   15,447     4 %   19,309     5 %

As of December 31, 2011

                                     

Total capital (to risk weighted assets):

                                     

Consolidated

  $ 44,205     18 % $ 20,185     8 %   N/A     N/A  

Bank

    43,378     17 %   20,197     8 % $ 25,247     10 %

Tier I capital (to risk weighted assets):

                                     

Consolidated

    41,041     16 %   10,093     4 %   N/A     N/A  

Bank

    40,214     16 %   10,098     4 %   15,148     6 %

Tier I capital (to average assets):

                                     

Consolidated

    41,041     11 %   15,327     4 %   N/A     N/A  

Bank

    40,214     10 %   15,282     4 %   17,103     5 %