REGULATORY MATTERS (Tables)

9 Months Ended

Sep. 30, 2017

REGULATORY MATTERS

Summary of actual and required capital ratios for the Company and Bank under the Basel III Capital Rules

					Minimum				Minimum
					Capital				Capital
					Required-Basel				Required-Basel				Required to be
					III Phase-in				III Fully				Considered Well
	Actual				Schedule				Phased-in				Capitalized
	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
September 30, 2017
Common Equity Tier I to Risk-Weighted Assets:
Consolidated	$	311,698	12.9	%	$	109,020	4.5	%	$	169,587	7.0	%	$	157,474	6.5	%
Bank Only	$	320,334	13.2	%	$	108,879	4.5	%	$	169,367	7.0	%	$	157,270	6.5	%
Tier I Capital to Risk-Weighted Assets:
Consolidated	$	318,098	13.1	%	$	145,360	6.0	%	$	205,927	8.5	%	$	193,814	8.0	%
Bank Only	$	320,334	13.2	%	$	145,172	6.0	%	$	205,660	8.5	%	$	193,563	8.0	%
Total Capital to Risk-Weighted Assets:
Consolidated	$	342,233	14.1	%	$	193,814	8.0	%	$	254,381	10.5	%	$	242,267	10.0	%
Bank Only	$	344,469	14.2	%	$	193,563	8.0	%	$	245,051	10.5	%	$	241,953	10.0	%
Tier 1 Leverage Capital to Average Assets:
Consolidated	$	318,098	11.0	%	$	115,539	4.0	%	$	115,539	4.0	%	$	144,424	5.0	%
Bank Only	$	320,335	11.1	%	$	115,539	4.0	%	$	115,539	4.0	%	$	144,424	5.0	%

					Minimum				Minimum
					Capital				Capital
					Required-Basel				Required-Basel				Required to be
					III Phase-in				III Fully				Considered Well
	Actual				Schedule				Phased-in				Capitalized
	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
December 31, 2016
Common Equity Tier I to Risk-Weighted Assets:
Consolidated	$	274,516	11.5	%	$	107,272	4.5	%	$	166,867	7.0	%	$	154,948	6.5	%
Bank Only	$	304,058	12.8	%	$	107,209	4.5	%	$	166,770	7.0	%	$	154,844	6.5	%
Tier I Capital to Risk-Weighted Assets:
Consolidated	$	280,916	11.8	%	$	143,029	6.0	%	$	202,624	8.5	%	$	190,705	8.0	%
Bank Only	$	304,058	12.8	%	$	142,946	6.0	%	$	202,507	8.5	%	$	190,594	8.0	%
Total Capital to Risk-Weighted Assets:
Consolidated	$	306,287	12.9	%	$	190,705	8.0	%	$	250,300	10.5	%	$	238,381	10.0	%
Bank Only	$	329,428	13.8	%	$	190,594	8.0	%	$	250,155	10.5	%	$	238,243	10.0	%
Tier 1 Leverage Capital to Average Assets:
Consolidated	$	280,916	9.8	%	$	114,872	4.0	%	$	114,872	4.0	%	$	143,590	5.0	%
Bank Only	$	304,058	10.6	%	$	114,872	4.0	%	$	114,872	4.0	%	$	143,590	5.0	%