REGULATORY CAPITAL MATTERS (Tables)

6 Months Ended

Jun. 30, 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
June 30, 2022	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	214,993	10.99	%	$	117,361	6.0	%	$	156,482	8.0	%
Consolidated		199,379	10.15			N/A	N/A			N/A	N/A
CET1 to risk-weighted assets
Bank		214,993	10.99			88,021	4.5			127,141	6.5
Consolidated		199,379	10.15			N/A	N/A			N/A	N/A
Total capital to risk-weighted assets
Bank		229,777	11.75			156,482	8.0			195,602	10.0
Consolidated		247,164	12.58			N/A	N/A			N/A	N/A
Tier 1 capital to average assets
Bank		214,993	8.65			99,469	4.0			124,336	5.0
Consolidated		199,379	8.00			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.