CAPITAL AND REGULATORY MATTERS (Tables)

9 Months Ended

Sep. 30, 2019

CAPITAL AND REGULATORY MATTERS [Abstract]

Actual Capital Amounts and Ratios

The Company and its bank subsidiary’s actual capital amounts and ratios follow:

	Actual					Minimum Required Under BASEL III Fully Phased-In					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
September 30, 2019
Total Capital to Risk Weighted Assets:
Consolidated	$	388,748		17.38	%	$	234,854		10.50	%		N/A		N/A
City Bank		308,841		13.81	%		234,803		10.50	%	$	223,622		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		337,920		15.11	%		190,120		8.50	%		N/A		N/A
City Bank		284,485		12.72	%		190,079		8.50	%		178,898		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		292,920		13.10	%		156,569		7.00	%		N/A		N/A
City Bank		284,485		12.72	%		156,535		7.00	%		145,354		6.50	%
Tier I Capital to Average Assets:
Consolidated		337,920		12.17	%		111,174		4.00	%		N/A		N/A
City Bank		284,485		10.25	%		111,098		4.00	%		138,872		5.00	%
December 31, 2018
Total Capital to Risk Weighted Assets:
Consolidated	$	309,798		14.28	%	$	227,864		10.50	%		N/A		N/A
City Bank		294,572		13.58	%		227,806		10.50	%	$	216,958		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		260,020		11.98	%		184,462		8.50	%		N/A		N/A
City Bank		271,266		12.50	%		184,415		8.50	%		173,567		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		215,020		9.91	%		151,910		7.00	%		N/A		N/A
City Bank		271,266		12.50	%		151,871		7.00	%		141,023		6.50	%
Tier I Capital to Average Assets:
Consolidated		260,020		9.63	%		108,033		4.00	%		N/A		N/A
City Bank		271,266		10.05	%		107,940		4.00	%		134,925		5.00	%