STOCKHOLDERS' EQUITY (Tables)

12 Months Ended

Dec. 31, 2014

STOCKHOLDERS' EQUITY [Abstract]

Company and Subsidiary Banks' Capital Amounts and Ratios

The Company’s and the subsidiary Banks’ capital amounts and ratios as of December 31, 2014 and December 31, 2013 are presented in the table below.

											To Be Well Capitalized
						For Capital					Under Prompt Corrective
	Actual					Adequacy Purposes					Action Provisions
2014	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total Capital (to Risk-Weighted Assets):
Consolidated (1)	$	122,432		14.6	%	$	67,246		8	%	$	84,058		10	%
Premier Bank, Inc.		92,854		15.2			48,943		8			61,178		10
Citizens Deposit Bank		36,740		16.1			18,258		8			22,822		10
Tier I Capital (to Risk-Weighted Assets):
Consolidated (1)	$	112,085		13.3	%	$	33,623		4	%	$	50,435		6	%
Premier Bank, Inc.		85,203		13.9			24,471		4			36,707		6
Citizens Deposit Bank		34,319		15.0			9,129		4			13,693		6
Tier I Capital (to Average Assets):
Consolidated (1)	$	112,085		9.1	%	$	49,323		4	%	$	61,654		5	%
Premier Bank, Inc.		85,203		9.9			34,342		4			42,928		5
Citizens Deposit Bank		34,319		9.2			14,918		4			18,648		5
2013
Total Capital (to Risk-Weighted Assets):
Consolidated (1)	$	128,756		18.2	%	$	56,685		8	%	$	70,857		10	%
Premier Bank, Inc.		95,508		19.2			39,738		8			49,672		10
Citizens Deposit Bank		37,158		17.7			16,819		8			21,023		10
Tier I Capital (to Risk-Weighted Assets):
Consolidated (1)	$	119,872		16.9	%	$	28,343		4	%	$	42,514		6	%
Premier Bank, Inc.		89,274		18.0			19,869		4			29,803		6
Citizens Deposit Bank		34,591		16.5			8,409		4			12,614		6
Tier I Capital (to Average Assets):
Consolidated (1)	$	119,872		11.0	%	$	43,495		4	%	$	54,369		5	%
Premier Bank, Inc.		89,274		12.4			28,892		4			36,115		5
Citizens Deposit Bank		34,591		9.5			14,538		4			18,172		5
(1) Consolidated company is not subject to Prompt Corrective Action Provisions