CAPITAL AND REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2022

CAPITAL AND REGULATORY MATTERS [Abstract]

Actual Capital Amounts and Ratios

The Company and its bank subsidiary’s actual capital amounts and ratios follow (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
December 31, 2022:
Total Capital to Risk Weighted Assets:
Consolidated	$	559,094		16.58	%	$	354,045		10.50	%		N/A		N/A
City Bank		454,427		13.48	%		353,967		10.50	%	$	337,112		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		443,265		13.15	%		286,608		8.50	%		N/A		N/A
City Bank		414,559		12.30	%		286,545		8.50	%		269,689		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		398,265		11.81	%		236,030		7.00	%		N/A		N/A
City Bank		414,559		12.30	%		235,978		7.00	%		219,122		6.50	%
Tier I Capital to Average Assets:
Consolidated		443,265		11.03	%		161,662		4.00	%		N/A		N/A
City Bank		414,559		10.32	%		161,574		4.00	%		200,774		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	%