REGULATORY CAPITAL MATTERS (Tables)

9 Months Ended

Sep. 30, 2018

REGULATORY CAPITAL MATTERS

Schedule of actual and required capital ratios

The following presents the actual and required capital amounts and ratios as of September 30, 2018 and December 31, 2017 (in thousands):

									To be Well Capitalized
									Under Prompt
					Required for Capital				Corrective Action
	Actual				Adequacy Purposes				Regulations
September 30, 2018	Amount		Ratio		Amount		Ratio		Amount		Ratio
Common Equity Tier 1(CET1) to risk-weighted assets
Bank	$	84,975	10.42	%	$	36,691	4.5	%	$	52,998	6.5	%
Consolidated		91,936	11.22			36,882	4.5			N/A	N/A
Tier 1 capital to risk-weighted assets
Bank		84,975	10.42			48,921	6.0			65,228	8.0
Consolidated		91,936	11.22			49,176	6.0			N/A	N/A
Total capital to risk-weighted assets
Bank		92,242	11.31			65,228	8.0			81,535	10.0
Consolidated		105,764	12.90			65,568	8.0			N/A	N/A
Tier 1 capital to average assets
Bank		84,975	8.45			40,208	4.0			50,259	5.0
Consolidated		91,936	9.09			40,457	4.0			N/A	N/A

									To be Well Capitalized
									Under Prompt
					Required for Capital				Corrective Action
	Actual				Adequacy Purposes				Regulations
December 31, 2017	Amount		Ratio		Amount		Ratio		Amount		Ratio
Common Equity Tier 1(CET1) to risk-weighted assets
Bank	$	77,879	9.81	%	$	35,719	4.5	%	$	51,595	6.5	%
Consolidated		52,703	6.56			36,132	4.5			N/A	N/A
Tier 1 capital to risk-weighted assets
Bank		77,879	9.81			47,626	6.0			63,501	8.0
Consolidated		70,573	8.79			48,176	6.0			N/A	N/A
Total capital to risk-weighted assets
Bank		85,304	10.75			63,501	8.0			79,377	10.0
Consolidated		93,903	11.70			64,234	8.0			N/A	N/A
Tier 1 capital to average assets
Bank		77,879	8.27			37,659	4.0			47,073	5.0
Consolidated		70,573	7.41			38,101	4.0			N/A	N/A