REGULATORY CAPITAL MATTERS (Tables)

3 Months Ended

Mar. 31, 2020

REGULATORY CAPITAL MATTERS

Schedule of actual and required capital ratios

The following presents the actual and required capital amounts and ratios as of March 31, 2020 and December 31, 2019 (in thousands):

									To be Well Capitalized
									Under Prompt
					Required for Capital				Corrective Action
	Actual				Adequacy Purposes				Regulations
March 31, 2020	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	102,022	10.35	%	$	59,125	6.0	%	$	78,834	8.0	%
Consolidated		108,395	10.96			N/A	N/A			N/A	N/A
CET 1 to risk-weighted assets
Bank		102,022	10.35			44,344	4.5			64,053	6.5
Consolidated		108,395	10.96			N/A	N/A			N/A	N/A
Total capital to risk-weighted assets
Bank		110,652	11.23			78,834	8.0			98,542	10.0
Consolidated		131,586	13.31			N/A	N/A			N/A	N/A
Tier 1 capital to average assets
Bank		102,022	8.33			48,985	4.0			61,231	5.0
Consolidated	$	108,395	8.81	%	$	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, 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
CET 1 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	%