CAPITAL AND REGULATORY MATTERS (Tables)

6 Months Ended

Jun. 30, 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
June 30, 2023
Total Capital to Risk Weighted Assets:
Consolidated	$	597,335		16.75	%	$	374,384		10.50	%		N/A		N/A
City Bank		492,582		13.73	%		376,681		10.50	%	$	358,744		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		476,708		13.37	%		303,073		8.50	%		N/A		N/A
City Bank		447,754		12.48	%		304,932		8.50	%		286,995		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		431,708		12.11	%		249,589		7.00	%		N/A		N/A
City Bank		447,754		12.48	%		251,121		7.00	%		233,183		6.50	%
Tier I Capital to Average Assets:
Consolidated		476,706		11.67	%		164,207		4.00	%		N/A		N/A
City Bank		447,754		10.97	%		164,207		4.00	%		204,152		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	%