REGULATORY CAPITAL MATTERS (Tables)

3 Months Ended

Mar. 31, 2022

REGULATORY CAPITAL MATTERS

Schedule of actual and required capital ratios

The following presents the actual and required capital amounts and ratios as of dates noted (dollars in thousands):

									To be Well Capitalized
									Under Prompt
					Required for Capital				Corrective Action
	Actual				Adequacy Purposes(1)				Regulations
March 31, 2022	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	209,428	12.01	%	$	104,663	6.0	%	$	139,551	8.0	%
Consolidated		194,605	11.11			N/A	N/A			N/A	N/A
CET1 to risk-weighted assets
Bank		209,428	12.01			78,497	4.5			113,385	6.5
Consolidated		194,605	11.11			N/A	N/A			N/A	N/A
Total capital to risk-weighted assets
Bank		223,664	12.82			139,551	8.0			174,439	10.0
Consolidated		241,841	13.81			N/A	N/A			N/A	N/A
Tier 1 capital to average assets
Bank		209,428	8.27			101,264	4.0			126,581	5.0
Consolidated		194,605	7.67			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, 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

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⁽¹⁾ Does not include capital conservation buffer.