CAPITAL AND REGULATORY MATTERS (Tables)

9 Months Ended

Sep. 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
September 30, 2023
Total Capital to Risk Weighted Assets:
Consolidated	$	599,238		16.82	%	$	374,066		10.50	%		N/A		N/A
City Bank		502,003		14.10	%		373,957		10.50	%	$	356,150		10.00	%
Tier 1 Capital to Risk Weighted Assets:
Consolidated		479,373		13.46	%		302,815		8.50	%		N/A		N/A
City Bank		458,239		12.87	%		302,727		8.50	%		284,920		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		434,373		12.19	%		249,377		7.00	%		N/A		N/A
City Bank		458,239		12.87	%		249,305		7.00	%		231,497		6.50	%
Tier 1 Capital to Average Assets:
Consolidated		479,373		11.13	%		173,091		4.00	%		N/A		N/A
City Bank		458,239		10.65	%		172,992		4.00	%		215,143		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 1 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 1 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	%