CAPITAL AND REGULATORY MATTERS (Tables)

3 Months Ended

Mar. 31, 2024

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
March 31, 2024
Total Capital to Risk Weighted Assets:
Consolidated	$	598,737		17.00	%	$	369,815		10.50	%		N/A		N/A
City Bank		501,116		14.23	%		369,645		10.50	%	$	352,043		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		491,287		13.95	%		299,374		8.50	%		N/A		N/A
City Bank		457,487		13.00	%		299,237		8.50	%		281,634		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		446,287		12.67	%		246,543		7.00	%		N/A		N/A
City Bank		457,487		13.00	%		246,430		7.00	%		228,828		6.50	%
Tier I Capital to Average Assets:
Consolidated		491,287		11.51	%		171,622		4.00	%		N/A		N/A
City Bank		457,487		10.72	%		171,516		4.00	%		213,318		5.00	%
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	%