REGULATORY CAPITAL MATTERS (Tables)

9 Months Ended

Sep. 30, 2019

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, 2019 and December 31, 2018 (in thousands):

									To be Well Capitalized
									Under Prompt
					Required for Capital				Corrective Action
	Actual				Adequacy Purposes				Regulations
September 30, 2019	Amount		Ratio		Amount		Ratio		Amount		Ratio
Common Equity Tier 1(CET1) to risk-weighted assets
Bank	$	96,495	10.98	%	$	39,547	4.5	%	$	57,123	6.5	%
Consolidated		103,458	11.73			N/A	N/A			N/A	N/A
Tier 1 capital to risk-weighted assets
Bank		96,495	10.98			52,729	6.0			70,305	8.0
Consolidated		103,458	11.73			N/A	N/A			N/A	N/A
Total capital to risk-weighted assets
Bank		104,323	11.87			70,305	8.0			87,882	10.0
Consolidated		117,846	13.36			N/A	N/A			N/A	N/A
Tier 1 capital to average assets
Bank		96,495	8.19			47,101	4.0			58,876	5.0
Consolidated		103,458	8.76			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, 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