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REGULATORY MATTERS (Tables)

3 Months Ended

Mar. 31, 2024

REGULATORY MATTERS

Capital Amounts and Ratios

The following table sets forth the Bank’s actual and required capital amounts (in thousands) and ratios under current regulations:


												Minimum Capital					Minimum to Be Well
												Adequacy Requirement					Capitalized Under
							Minimum Capital					with Capital					Prompt Corrective
		Actual Capital					Adequacy Requirement					Conservation Buffer					Action Provisions
		Amount			Ratio		Amount			Ratio		Amount			Ratio		Amount			Ratio
March 31, 2024
Total capital to risk-weighted assets		$	214,002		14.19	%	$	120,676		8.00	%	$	158,387		10.50	%	$	150,844		10.00	%
Tier 1 capital to risk-weighted assets			195,889		12.99	%		90,507		6.00	%		128,218		8.50	%		120,676		8.00	%
Common equity tier 1 capital to risk-weighted assets			195,889		12.99	%		67,880		4.50	%		105,591		7.00	%		98,049		6.50	%
Tier 1 capital to average total assets			195,889		8.90	%		88,022		4.00	%		N/A		N/A			110,027		5.00	%

December 31, 2023
Total capital to risk-weighted assets		$	210,071		14.31	%	$	117,472		8.00	%	$	154,182		10.50	%	$	146,840		10.00	%
Tier 1 capital to risk-weighted assets			193,324		13.17	%		88,104		6.00	%		124,814		8.50	%		117,472		8.00	%
Common equity tier 1 capital to risk-weighted assets			193,324		13.17	%		66,078		4.50	%		102,788		7.00	%		95,446		6.50	%
Tier 1 capital to average total assets			193,324		9.08	%		85,131		4.00	%		N/A		N/A			106,414		5.00	%