CAPITAL (Tables)

9 Months Ended

Sep. 30, 2024

Capital

Schedule of bank’s actual capital amounts and ratios presented

	Actual					Minimum Capital Requirement					Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions
(Dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
September 30, 2024:
Total capital to risk weighted assets	$	103,270		16.90	%	$	48,877		8.00	%	$	61,097		10.00	%
Tier 1 capital to risk weighted assets		95,628		15.65	%		36,658		6.00	%		48,877		8.00	%
Tier 1 capital to average assets		95,628		10.84	%		35,278		4.00	%		44,098		5.00	%
Common equity Tier 1 capital
to risk weighted assets		95,628		15.65	%		27,494		4.50	%		39,713		6.50	%
December 31, 2023:
Total capital to risk weighted assets	$	99,246		16.58	%	$	47,873		8.00	%	$	59,842		10.00	%
Tier 1 capital to risk weighted assets		91,765		15.33	%		35,905		6.00	%		47,873		8.00	%
Tier 1 capital to average assets		91,765		11.11	%		33,040		4.00	%		41,300		5.00	%
Common equity Tier 1 capital
to risk weighted assets		91,765		15.33	%		26,929		4.50	%		38,897		6.50	%