CAPITAL REQUIREMENTS (Tables)

12 Months Ended

Dec. 31, 2021

Schedule of the Company's and the Bank's Actual Capital Ratios Showing that both met all Regulatory Capital Requirements

The Corporation’s and the Banks' actual capital ratios (using the definitions from the prompt corrective action rules) are presented in the following tables, which shows that the Corporation and both Banks met all regulatory capital requirements.


Consolidated Corporation

	2021				2020
(In Thousands)	Amount		Ratio		Amount		Ratio
Common Equity Tier I Capital (to Risk-weighted Assets)
Actual	$	156,439	10.791	%	$	147,887	11.267	%
For Capital Adequacy Purposes	65,237		4.500	%	59,066		4.500	%
Minimum To Maintain Capital Conservation Buffer	101,480		7.000	%	91,880		7.000	%
To Be Well Capitalized	94,232		6.500	%	85,317		6.500	%
Total Capital (to Risk-weighted Assets)
Actual	$	170,708	11.776	%	$	159,490	12.151	%
For Capital Adequacy Purposes	115,970		8.000	%	105,005		8.000	%
Minimum To Maintain Capital Conservation Buffer	152,211		10.500	%	137,820		10.500	%
To Be Well Capitalized	144,963		10.000	%	131,257		10.000	%
Tier I Capital (to Risk-weighted Assets)
Actual	$	156,439	10.791	%	$	147,887	11.267	%
For Capital Adequacy Purposes	86,983		6.000	%	78,754		6.000	%
Minimum To Maintain Capital Conservation Buffer	123,226		8.500	%	111,568		8.500	%
To Be Well Capitalized	115,977		8.000	%	105,005		8.000	%
Tier I Capital (to Average Assets)
Actual	$	156,439	8.397	%	$	147,887	8.436	%
For Capital Adequacy Purposes	74,521		4.000	%	70,122		4.000	%
To Be Well Capitalized	93,152		5.000	%	87,652		5.000	%


Jersey Shore State Bank

	2021				2020
(In Thousands)	Amount		Ratio		Amount		Ratio
Common Equity Tier I Capital (to Risk-weighted Assets)
Actual	$	110,682	10.337	%	$	103,812	10.906	%
For Capital Adequacy Purposes	48,183		4.500	%	42,835		4.500	%
Minimum To Maintain Capital Conservation Buffer	74,952		7.000	%	66,632		7.000	%
To Be Well Capitalized	69,598		6.500	%	61,872		6.500	%
Total Capital (to Risk-weighted Assets)
Actual	$	121,094	11.309	%	$	112,862	11.857	%
For Capital Adequacy Purposes	85,662		8.000	%	76,149		8.000	%
Minimum To Maintain Capital Conservation Buffer	112,431		10.500	%	99,945		10.500	%
To Be Well Capitalized	107,078		10.000	%	95,186		10.000	%
Tier I Capital (to Risk-weighted Assets)
Actual	$	110,682	10.337	%	$	103,812	10.906	%
For Capital Adequacy Purposes	64,244		6.000	%	57,113		6.000	%
Minimum To Maintain Capital Conservation Buffer	91,013		8.500	%	80,910		8.500	%
To Be Well Capitalized	85,659		8.000	%	76,150		8.000	%
Tier I Capital (to Average Assets)
Actual	$	110,682	8.326	%	$	103,812	8.062	%
For Capital Adequacy Purposes	53,174		4.000	%	51,507		4.000	%
To Be Well Capitalized	66,468		5.000	%	64,384		5.000	%


Luzerne Bank

	2021				2020
(In Thousands)	Amount		Ratio		Amount		Ratio
Common Equity Tier I Capital (to Risk-weighted Assets)
Actual	$	42,291	11.164	%	$	40,206	11.156	%
For Capital Adequacy Purposes	17,047		4.500	%	16,218		4.500	%
Minimum To Maintain Capital Conservation Buffer	26,517		7.000	%	25,228		7.000	%
To Be Well Capitalized	24,623		6.500	%	23,426		6.500	%
Total Capital (to Risk-weighted Assets)
Actual	$	46,148	12.182	%	$	42,759	11.865	%
For Capital Adequacy Purposes	30,306		8.000	%	28,830		8.000	%
Minimum To Maintain Capital Conservation Buffer	39,776		10.500	%	37,840		10.500	%
To Be Well Capitalized	37,882		10.000	%	36,038		10.000	%
Tier I Capital (to Risk-weighted Assets)
Actual	$	42,291	11.164	%	$	40,206	11.156	%
For Capital Adequacy Purposes	22,729		6.000	%	21,624		6.000	%
Minimum To Maintain Capital Conservation Buffer	32,199		8.500	%	30,634		8.500	%
To Be Well Capitalized	30,305		8.000	%	28,832		8.000	%
Tier I Capital (to Average Assets)
Actual	$	42,291	7.537	%	$	40,206	7.860	%
For Capital Adequacy Purposes	22,444		4.000	%	20,461		4.000	%
To Be Well Capitalized	28,056		5.000	%	25,576		5.000	%