CAPITAL AND REGULATORY MATTERS (Tables)

6 Months Ended

Jun. 30, 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
June 30, 2022
Total Capital to Risk Weighted Assets:
Consolidated	$	546,768		17.32	%	$	331,456		10.50	%		N/A		N/A
City Bank		439,026		13.91	%		331,407		10.50	%	$	315,625		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		431,435		13.67	%		268,322		8.50	%		N/A		N/A
City Bank		399,567		12.66	%		268,282		8.50	%		252,500		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		386,435		12.24	%		220,971		7.00	%		N/A		N/A
City Bank		399,567		12.66	%		220,938		7.00	%		205,157		6.50	%
Tier I Capital to Average Assets:
Consolidated		431,435		10.93	%		158,814		4.00	%		N/A		N/A
City Bank		399,567		10.13	%		158,814		4.00	%		197,286		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	%