REGULATORY CAPITAL MATTERS (Tables)

12 Months Ended

Dec. 31, 2018

REGULATORY CAPITAL MATTERS

Schedule of actual and required capital ratios

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

									To be Well Capitalized
									Under Prompt
					Required for Capital				Corrective Action
	Actual				Adequacy Purposes				Regulations
December 31, 2018	Amount		Ratio		Amount		Ratio		Amount		Ratio
Common Equity Tier 1(CET1) to risk-weighted assets
Bank	$	87,291	10.55	%	$	37,240	4.5	%	$	53,791	6.5	%
Consolidated		94,335	11.35			N/A	N/A			N/A	N/A
Tier 1 capital to risk-weighted assets
Bank		87,291	10.55			49,653	6.0			66,204	8.0
Consolidated		94,335	11.35			N/A	N/A			N/A	N/A
Total capital to risk-weighted assets
Bank		94,906	11.47			66,204	8.0			82,755	10.0
Consolidated		108,510	13.06			N/A	N/A			N/A	N/A
Tier 1 capital to average assets
Bank		87,291	8.63			40,459	4.0			50,574	5.0
Consolidated		94,335	9.28			N/A	N/A			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			N/A	N/A			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			N/A	N/A			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			N/A	N/A			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			N/A	N/A			N/A	N/A