CAPITAL AND REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 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 Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
December 31, 2023:
Total Capital to Risk Weighted Assets:
Consolidated	$	589,565		16.74	%	$	369,753		10.50	%		N/A		N/A
City Bank		494,353		14.04	%		369,635		10.50	%	$	352,033		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		482,044		13.69	%		299,324		8.50	%		N/A		N/A
City Bank		450,607		12.80	%		299,228		8.50	%		281,627		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		437,044		12.41	%		246,502		7.00	%		N/A		N/A
City Bank		450,607		12.80	%		246,423		7.00	%		228,822		6.50	%
Tier I Capital to Average Assets:
Consolidated		482,044		11.33	%		171,037		4.00	%		N/A		N/A
City Bank		450,607		10.60	%		170,945		4.00	%		212,594		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	%