CAPITAL AND REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 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
December 31, 2021:
Total Capital to Risk Weighted Assets:
Consolidated	$	524,836		18.40	%	$	299,521		10.50	%		N/A		N/A
City Bank		425,748		14.93	%		299,465		10.50	%	$	285,205		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		413,322		14.49	%		242,469		8.50	%		N/A		N/A
City Bank		390,015		13.67	%		242,424		8.50	%		228,164		8.00	%
Common Tier 1 (CET1):
Consolidated		368,322		12.91	%		199,681		7.00	%		N/A		N/A
City Bank		390,015		13.67	%		199,644		7.00	%		185,383		6.50	%
Tier I Capital to Average Assets:
Consolidated		413,322		10.77	%		154,592		4.00	%		N/A		N/A
City Bank		390,015		10.16	%		154,503		4.00	%		191,859		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 Tier 1 (CET1):
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	%