REGULATORY CAPITAL MATTERS (Tables)

9 Months Ended

Sep. 30, 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
September 30, 2023	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	246,454	10.42	%	$	141,943	6.0	%	$	189,258	8.0	%
Consolidated	220,952		9.32		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	246,454		10.42		106,457		4.5		153,772		6.5
Consolidated	220,952		9.32		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	267,546		11.31		189,258		8.0		236,572		10.0
Consolidated	295,045		12.45		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	246,454		8.88		110,967		4.0		138,709		5.0
Consolidated	220,952		7.96		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.