CAPITAL AND REGULATORY MATTERS (Tables)

3 Months Ended

Mar. 31, 2022

CAPITAL AND REGULATORY MATTERS [Abstract]

Actual Capital Amounts and Ratios

The Company and its bank subsidiary’s actual capital amounts and ratios at the dates indicated follows (dollars in thousands):

	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, 2022
Total Capital to Risk Weighted Assets:
Consolidated	$	535,998		18.22	%	$	308,961		10.50	%		N/A		N/A
City Bank		431,140		14.66	%		308,882		10.50	%	$	294,173		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		423,358		14.39	%		250,111		8.50	%		N/A		N/A
City Bank		394,331		13.40	%		250,047		8.50	%		235,338		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		378,358		12.86	%		205,974		7.00	%		N/A		N/A
City Bank		394,331		13.40	%		205,921		7.00	%		191,212		6.50	%
Tier I Capital to Average Assets:
Consolidated		423,358		10.78	%		158,049		4.00	%		N/A		N/A
City Bank		394,331		10.05	%		157,958		4.00	%		196,196		5.00	%
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 Equity Tier 1 to Risk Weighted Assets:
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	%