CAPITAL AND REGULATORY MATTERS (Tables)

3 Months Ended

Mar. 31, 2020

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
March 31, 2020
Total Capital to Risk Weighted Assets:
Consolidated	$	384,538		15.23	%	$	265,086		10.50	%		N/A		N/A
City Bank		375,390		14.87	%		265,042		10.50	%	$	252,421		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		328,812		13.02	%		214,594		8.50	%		N/A		N/A
City Bank		346,136		13.71	%		214,558		8.50	%		201,937		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		283,812		11.24	%		176,724		7.00	%		N/A		N/A
City Bank		346,136		13.71	%		176,695		7.00	%		164,074		6.50	%
Tier I Capital to Average Assets:
Consolidated		328,812		10.34	%		127,209		4.00	%		N/A		N/A
City Bank		346,136		10.89	%		128,260		4.00	%		158,916		5.00	%
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 Equity Tier 1 to Risk Weighted Assets:
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	%