CAPITAL AND REGULATORY MATTERS (Tables)

6 Months Ended

Jun. 30, 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
June 30,2020
Total Capital to Risk Weighted Assets:
Consolidated	$	395,127		14.32	%	$	289,774		10.50	%		N/A		N/A
City Bank		383,541		13.90	%		289,704		10.50	%	$	275,908		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		334,080		12.11	%		234,579		8.50	%		N/A		N/A
City Bank		348,975		12.65	%		234,522		8.50	%		220,726		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		289,080		10.47	%		193,183		7.00	%		N/A		N/A
City Bank		348,975		12.65	%		193,136		7.00	%		179,340		6.50	%
Tier I Capital to Average Assets:
Consolidated		334,080		9.60	%		140,247		4.00	%		N/A		N/A
City Bank		348,975		10.04	%		140,170		4.00	%		173,817		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	%