CAPITAL AND REGULATORY MATTERS (Tables)

9 Months Ended

Sep. 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
September 30, 2021
Total Capital to Risk Weighted Assets:
Consolidated	$	514,327		18.19	%	$	296,912		10.50	%		N/A		N/A
City Bank		421,458		14.91	%		296,838		10.50	%	$	282,703		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		403,159		14.26	%		240,358		8.50	%		N/A		N/A
City Bank		386,026		13.65	%		240,298		8.50	%		226,162		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		358,159		12.67	%		197,942		7.00	%		N/A		N/A
City Bank		386,026		13.65	%		197,892		7.00	%		183,757		6.50	%
Tier I Capital to Average Assets:
Consolidated		403,159		10.83	%		149,932		4.00	%		N/A		N/A
City Bank		386,026		10.38	%		149,854		4.00	%		186,027		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	%