CAPITAL AND REGULATORY MATTERS (Tables)

3 Months Ended

Mar. 31, 2021

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, 2021
Total Capital to Risk Weighted Assets:
Consolidated	$	488,339		19.24	%	$	266,458		10.50	%		N/A		N/A
City Bank		408,927		16.12	%		266,391		10.50	%	$	253,706		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		380,816		15.01	%		215,704		8.50	%		N/A		N/A
City Bank		377,048		14.86	%		215,650		8.50	%		202,965		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		335,816		13.23	%		177,639		7.00	%		N/A		N/A
City Bank		377,048		14.86	%		177,594		7.00	%		164,909		6.50	%
Tier I Capital to Average Assets:
Consolidated		380,816		10.35	%		148,206		4.00	%		N/A		N/A
City Bank		377,048		10.26	%		102,960		4.00	%		183,826		5.00	%
December 31, 2020
Total Capital to Risk Weighted Assets:
Consolidated	$	473,425		19.08	%	$	260,531		10.50	%		N/A		N/A
City Bank		404,138		16.29	%		260,481		10.50	%	$	248,077		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		366,639		14.78	%		210,906		8.50	%		N/A		N/A
City Bank		372,947		15.03	%		210,866		8.50	%		198,462		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		321,639		12.96	%		173,688		7.00	%		N/A		N/A
City Bank		372,947		15.03	%		173,654		7.00	%		161,250		6.50	%
Tier I Capital to Average Assets:
Consolidated		366,639		10.24	%		144,347		4.00	%		N/A		N/A
City Bank		372,947		10.42	%		144,282		4.00	%		178,999		5.00	%