CAPITAL AND REGULATORY MATTERS (Tables)

9 Months Ended

Sep. 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
September 30, 2020
Total Capital to Risk Weighted Assets:
Consolidated	$	457,689		18.67	%	$	257,444		10.50	%		N/A		N/A
City Bank		394,673		16.10	%		257,430		10.50	%	$	245,171		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		351,303		14.33	%		208,407		8.50	%		N/A		N/A
City Bank		363,834		14.84	%		208,396		8.50	%		196,137		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		306,303		12.49	%		171,629		7.00	%		N/A		N/A
City Bank		363,834		14.84	%		171,620		7.00	%		159,361		6.50	%
Tier I Capital to Average Assets:
Consolidated		351,303		10.01	%		141,472		4.00	%		N/A		N/A
City Bank		363,834		10.37	%		141,401		4.00	%		175,376		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	%