CAPITAL AND REGULATORY MATTERS (Tables)

3 Months Ended

Mar. 31, 2023

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 Framework
	Amount		Ratio			Amount		Ratio			Amount		Ratio
March 31, 2023
Total Capital to Risk Weighted Assets:
Consolidated	$	567,364		16.70	%	$	356,699		10.50	%		N/A		N/A
City Bank		461,457		13.59	%		356,569		10.50	%	$	339,589		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		449,847		13.24	%		288,756		8.50	%		N/A		N/A
City Bank		419,948		12.37	%		288,651		8.50	%		271,671		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		404,847		11.92	%		237,799		7.00	%		N/A		N/A
City Bank		419,948		12.37	%		237,712		7.00	%		220,733		6.50	%
Tier I Capital to Average Assets:
Consolidated		449,847		11.22	%		161,253		4.00	%		N/A		N/A
City Bank		419,948		10.48	%		161,166		4.00	%		200,282		5.00	%
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	%