REGULATORY CAPITAL MATTERS (Tables)

12 Months Ended

Dec. 31, 2019

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

									To be Well Capitalized
									Under Prompt
					Required for Capital				Corrective Action
	Actual				Adequacy Purposes				Regulations
December 31, 2019	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	99,461	10.67	%	$	55,954	6.0	%	$	74,606	8.0	%
Consolidated		105,821	11.31			N/A	N/A			N/A	N/A
Common Equity Tier 1(CET1) to risk-weighted assets
Bank		99,461	10.67			41,966	4.5			60,617	6.5
Consolidated		105,821	11.31			N/A	N/A			N/A	N/A
Total capital to risk-weighted assets
Bank		107,509	11.53			74,606	8.0			93,257	10.0
Consolidated		120,429	12.87			N/A	N/A			N/A	N/A
Tier 1 capital to average assets
Bank		99,461	8.09			49,166	4.0			61,458	5.0
Consolidated		105,821	8.58			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
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
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
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