REGULATORY CAPITAL MATTERS (Tables)

3 Months Ended

Mar. 31, 2023

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


	Actual				Required for Capital Adequacy Purposes(1)				To be Well Capitalized Under Prompt Corrective Action Regulations
March 31, 2023	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	238,556	10.29	%	$	139,038	6.0	%	$	185,384	8.0	%
Consolidated	215,534		9.28		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	238,556		10.29		104,279		4.5		150,625		6.5
Consolidated	215,534		9.28		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	257,661		11.12		185,384		8.0		231,731		10.0
Consolidated	287,639		12.39		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	238,556		8.59		111,051		4.0		138,814		5.0
Consolidated	215,534		7.75		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, 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

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(1)Does not include capital conservation buffer.