CAPITAL AND REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 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
December 31, 2019:
Total Capital to Risk Weighted Assets:
Consolidated	$	373,684		14.88	%	$	263,769		10.50	%		N/A		N/A
City Bank		368,322		14.67	%		263,702		10.50	%	$	251,145		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		322,835		12.85	%		213,527		8.50	%		N/A		N/A
City Bank		343,945		13.70	%		213,473		8.50	%		200,916		8.00	%
Common Tier 1 (CET1):
Consolidated		277,835		11.06	%		175,846		7.00	%		N/A		N/A
City Bank		343,945		13.70	%		175,801		7.00	%		163,244		6.50	%
Tier I Capital to Average Assets:
Consolidated		322,835		10.74	%		120,219		4.00	%		N/A		N/A
City Bank		343,945		11.45	%		121,235		4.00	%		150,175		5.00	%
December 31, 2018:
Total Capital to Risk Weighted Assets:
Consolidated	$	309,798		14.28	%	$	214,301		9.90	%		N/A		N/A
City Bank		294,572		13.58	%		214,246		9.90	%	$	216,958		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		260,020		11.98	%		170,898		7.90	%		N/A		N/A
City Bank		271,266		12.50	%		170,855		7.90	%		173,567		8.00	%
Common Tier 1 (CET1):
Consolidated		215,020		9.91	%		138,346		6.40	%		N/A		N/A
City Bank		271,266		12.50	%		138,311		6.40	%		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	%