REGULATORY CAPITAL MATTERS (Tables)

12 Months Ended

Dec. 31, 2022

The following presents the actual and required capital amounts and ratios as of the dates noted (dollars in thousands):


	Actual				Required for Capital Adequacy Purposes(1)				To be Well Capitalized Under Prompt Corrective Action Regulations
December 31, 2022	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	234,738	10.29	%	$	136,928	6.0	%	$	182,571	8.0	%
Consolidated	212,229		9.28		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	234,738		10.29		102,696		4.5		148,339		6.5
Consolidated	212,229		9.28		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	252,398		11.06		182,571		8.0		228,213		10.0
Consolidated	282,889		12.37		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	234,738		8.65		108,506		4.0		135,633		5.0
Consolidated	212,229		7.81		N/A		N/A		N/A		N/A


	Actual				Required for Capital Adequacy Purposes(1)				To be Well Capitalized Under Prompt Corrective Action Regulations
December 31, 2021	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	203,164	11.40	%	$	106,945	6.0	%	$	142,594	8.0	%
Consolidated	188,777		10.54		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	203,164		11.40		80,209		4.5		115,858		6.5
Consolidated	188,777		10.54		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	217,215		12.19		142,594		8.0		178,242		10.0
Consolidated	242,388		13.54		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	203,164		10.05		80,887		4.0		101,108		5.0
Consolidated	188,777		9.31		N/A		N/A		N/A		N/A

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(1)Does not include capital conservation buffer.