REGULATORY CAPITAL MATTERS (Tables)

12 Months Ended

Dec. 31, 2021

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, 2021 and December 31, 2020 (in thousands):

									To be Well Capitalized
									Under Prompt
					Required for Capital				Corrective Action
	Actual				Adequacy Purposes(1)				Regulations
December 31, 2021	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	203,164	11.40	%	$	106,945	6.0	%	$	142,594	8.0	%
Consolidated		188,777	10.54			N/A	N/A			N/A	N/A
CET1 to risk-weighted assets
Bank		203,164	11.40			80,209	4.5			115,858	6.5
Consolidated		188,777	10.54			N/A	N/A			N/A	N/A
Total capital to risk-weighted assets
Bank		217,215	12.19			142,594	8.0			178,242	10.0
Consolidated		242,388	13.54			N/A	N/A			N/A	N/A
Tier 1 capital to average assets
Bank		203,164	10.05			80,887	4.0			101,108	5.0
Consolidated		188,777	9.31			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, 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

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(1) Does not include capital conservation buffer.