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CAPITAL MATTERS (Tables)

3 Months Ended

Mar. 31, 2021

Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]

Schedule of Bank’s Tier 1 (Leverage) and Risk-Based Capital Ratios

The Bank’s Tier 1 (leverage) and risk-based capital ratios at March 31, 2021 and December 31, 2020, respectively, are presented below:

						Actual												For Capital Adequacy Purposes																		To Be Well Capitalized Under Prompt Corrective Action Provisions
						Amount						Ratio						Amount												Ratio						Amount												Ratio
As of March 31, 2021
Total capital (to risk weighted assets)						$	174,424					15.5		%				$	89,877					> =						8.0		%				$	112,347					> =						10.0		%
Tier 1 capital (to risk weighted assets)						160,344						14.3		%				$	67,408					> =						6.0		%				89,877						> =						8.0		%
Common equity tier 1 capital (to risk weighted assets)						160,344						14.3		%				$	50,556					> =						4.5		%				73,025						> =						6.5		%
Tier 1 leverage ratio (to adjusted total assets)						160,344						9.8		%				65,595						> =						4.0		%				81,993						> =						5.0		%
As of December 31, 2020
Total capital (to risk weighted assets)						$	171,702					14.7		%				$	93,381					> =						8.0		%				$	116,726					> =						10.0		%
Tier 1 capital (to risk weighted assets)						157,081						13.5		%				70,035						> =						6.0		%				93,381						> =						8.0		%
Common equity tier 1 capital (to risk weighted assets)						157,081						13.5		%				52,527						> =						4.5		%				75,872						> =						6.5		%
Tier 1 leverage ratio (to adjusted total assets)						157,081						9.9		%				63,718						> =						4.0		%				79,647						> =						5.0		%

The Company’s Tier 1 (leverage) and risk-based capital ratios at March 31, 2021 and December 31, 2020, respectively, are presented below:

						Actual												For Capital Adequacy Purposes
						Amount						Ratio						Amount												Ratio
As of March 31, 2021
Total capital (to risk weighted assets)						$	167,145					14.9		%				89,877						> =						8.0		%
Tier 1 capital (to risk weighted assets)						123,065						11.0		%				67,408						> =						6.0		%
Common equity tier 1 capital (to risk weighted assets)						123,065						11.0		%				50,556						> =						4.5		%
Tier 1 leverage ratio (to adjusted total assets)						123,065						7.5		%				65,595						> =						4.0		%
As of December 31, 2020
Total capital (to risk weighted assets)						$	166,703					14.3		%				$	93,381					> =						8.0		%
Tier 1 capital (to risk weighted assets)						122,082						10.5		%				70,035						> =						6.0		%
Common equity tier 1 capital (to risk weighted assets)						122,082						10.5		%				52,527						> =						4.5		%
Tier 1 leverage ratio (to adjusted total assets)						122,082						7.7		%				63,718						> =						4.0		%

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- References

No definition available.

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- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958570-112826

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826

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