CAPITAL AND REGULATORY MATTERS (Tables)

6 Months Ended

Jun. 30, 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
June 30, 2024
Total Capital to Risk Weighted Assets:
Consolidated	$	609,162		16.86	%	$	379,366		10.50	%		N/A		N/A
City Bank		509,178		14.09	%		379,338		10.50	%	$	361,274		10.00	%
Tier 1 Capital to Risk Weighted Assets:
Consolidated		500,666		13.86	%		307,106		8.50	%		N/A		N/A
City Bank		464,550		12.86	%		307,083		8.50	%		289,019		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		455,666		12.61	%		252,911		7.00	%		N/A		N/A
City Bank		464,550		12.86	%		252,892		7.00	%		234,828		6.50	%
Tier 1 Capital to Average Assets:
Consolidated		500,666		11.81	%		170,372		4.00	%		N/A		N/A
City Bank		464,550		10.96	%		170,372		4.00	%		211,896		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 1 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 1 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	%