CAPITAL AND REGULATORY MATTERS (Tables)

6 Months Ended

Jun. 30, 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
June 30, 2021
Total Capital to Risk Weighted Assets:
Consolidated	$	502,095		18.95	%	$	278,637		10.50	%		N/A		N/A
City Bank		413,791		15.59	%		281,942		10.50	%	$	268,516		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		393,164		14.84	%		225,563		8.50	%		N/A		N/A
City Bank		380,498		14.34	%		228,239		8.50	%		214,813		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		348,164		13.14	%		185,758		7.00	%		N/A		N/A
City Bank		380,498		14.34	%		187,961		7.00	%		174,536		6.50	%
Tier I Capital to Average Assets:
Consolidated		393,164		10.54	%		150,322		4.00	%		N/A		N/A
City Bank		380,498		10.20	%		150,240		4.00	%		186,489		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	%