STOCKHOLDERS' EQUITY (Tables)

12 Months Ended

Dec. 31, 2016

The Company's and the subsidiary Banks' capital amounts and ratios as of December 31, 2016 are presented in the table below.

											To Be Well Capitalized
						For Capital					Under Prompt Corrective
	Actual					Adequacy Purposes ⁽¹⁾					Action Provisions
2016	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total Capital (to risk-weighted assets):
Consolidated ⁽²⁾	$	158,433		15.0	%	$	84,779		8	%	$	105,973		10	%
Premier Bank, Inc.		119,860		15.3			62,720		8			78,400		10
Citizens Deposit Bank		39,725		14.3			22,181		8			27,727		10

Tier I Capital (to risk-weighted assets):
Consolidated ⁽²⁾	$	147,597		13.9	%	$	63,584		6	%	$	84,779		8	%
Premier Bank, Inc.		111,538		14.2			47,040		6			62,720		8
Citizens Deposit Bank		37,211		13.4			16,636		6			22,181		8

Common Equity Tier I Capital (to risk-weighted assets):
Consolidated ⁽²⁾	$	142,024		13.4	%	$	47,688		4.5	%	$	68,883		6.5	%
Premier Bank, Inc.		111,538		14.2			35,280		4.5			50,960		6.5
Citizens Deposit Bank		37,211		13.4			12,477		4.5			18,022		6.5

Tier I Capital (to average assets):
Consolidated ⁽²⁾	$	147,597		10.1	%	$	58,420		4	%	$	73,025		5	%
Premier Bank, Inc.		111,538		10.6			42,159		4			52,699		5
Citizens Deposit Bank		37,211		9.1			16,289		4			20,361		5
⁽¹⁾The ratios for capital adequacy purposes do not include the additional capital conservation buffer. ⁽²⁾The consolidated company is not subject to Prompt Corrective Action Provisions.

The Company's and the subsidiary Banks' capital amounts and ratios as of December 31, 2015 are presented in the table below.

											To Be Well Capitalized
						For Capital					Under Prompt Corrective
	Actual					Adequacy Purposes					Action Provisions
2015	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total Capital (to Risk-Weighted Assets):
Consolidated ⁽¹⁾	$	125,964		14.7	%	$	68,563		8	%	$	85,703		10	%
Premier Bank, Inc.		93,376		15.1			49,495		8			61,868		10
Citizens Deposit Bank		38,241		16.2			18,934		8			23,667		10

Tier I Capital (to Risk-Weighted Assets):
Consolidated ⁽¹⁾	$	116,317		13.6	%	$	51,422		6	%	$	68,563		8	%
Premier Bank, Inc.		86,062		13.9			37,121		6			49,495		8
Citizens Deposit Bank		35,908		15.2			14,200		6			18,934		8

Common Equity Tier I Capital (to Risk-Weighted Assets):
Consolidated ⁽¹⁾	$	116,317		13.6	%	$	38,566		4.5	%	$	55,707		6.5	%
Premier Bank, Inc.		86,062		13.9			27,841		4.5			40,214		6.5
Citizens Deposit Bank		35,908		15.2			10,650		4.5			15,384		6.5

Tier I Capital (to Average Assets):
Consolidated ⁽¹⁾	$	116,317		9.4	%	$	49,487		4	%	$	61,858		5	%
Premier Bank, Inc.		86,062		10.2			33,924		4			42,405		5
Citizens Deposit Bank		35,908		9.2			15,540		4			19,425		5
⁽¹⁾The consolidated company is not subject to Prompt Corrective Action Provisions.