REGULATORY CAPITAL MATTERS (Tables)

12 Months Ended

Dec. 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 December 31, 2020 and December 31, 2019 (in thousands):

									To be Well Capitalized
									Under Prompt
					Required for Capital				Corrective Action
	Actual				Adequacy Purposes(1)				Regulations
December 31, 2020	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	133,963	10.22	%	$	78,660	6.0	%	$	104,880	8.0	%
Consolidated		131,507	9.96			N/A	N/A			N/A	N/A
CET1 to risk-weighted assets
Bank		133,963	10.22			58,995	4.5			85,215	6.5
Consolidated		131,507	9.96			N/A	N/A			N/A	N/A
Total capital to risk-weighted assets
Bank		146,853	11.20			104,880	8.0			131,100	10.0
Consolidated		168,957	12.80			N/A	N/A			N/A	N/A
Tier 1 capital to average assets
Bank		133,963	7.62			70,301	4.0			87,877	5.0
Consolidated	$	131,507	7.45	%	$	N/A	N/A	%	$	N/A	N/A	%

									To be Well Capitalized
									Under Prompt
					Required for Capital				Corrective Action
	Actual				Adequacy Purposes(1)				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
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	%

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(1) Does not include capital conservation buffer.