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CAPITAL MATTERS (Tables)

3 Months Ended

Mar. 31, 2023

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, 2023, and December 31, 2022, 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, 2023
Total capital (to risk weighted assets)						$	226,873					14.6		%				$	124,595					> =						8.0		%				$	155,744					> =						10.0		%
Tier 1 capital (to risk weighted assets)						207,474						13.3		%				$	93,446					> =						6.0		%				124,595						> =						8.0		%
Common equity tier 1 capital (to risk weighted assets)						207,474						13.3		%				$	70,085					> =						4.5		%				101,234						> =						6.5		%
Tier 1 leverage ratio (to adjusted total assets)						207,474						11.7		%				71,180						> =						4.0		%				88,974						> =						5.0		%
As of December 31, 2022
Total capital (to risk weighted assets)						$	221,361					14.2		%				$	124,971					> =						8.0		%				$	156,213					> =						10.0		%
Tier 1 capital (to risk weighted assets)						203,422						13.0		%				93,728						> =						6.0		%				124,971						> =						8.0		%
Common equity tier 1 capital (to risk weighted assets)						203,422						13.0		%				70,296						> =						4.5		%				101,539						> =						6.5		%
Tier 1 leverage ratio (to adjusted total assets)						203,422						11.5		%				70,610						> =						4.0		%				88,262						> =						5.0		%

The Company’s Tier 1 (leverage) and risk-based capital ratios at March 31, 2023 and December 31, 2022, respectively, are presented below:

						Actual												For Capital Adequacy Purposes
						Amount						Ratio						Amount												Ratio
As of March 31, 2023
Total capital (to risk weighted assets)						$	220,131					14.1		%				124,595						> =						8.0		%
Tier 1 capital (to risk weighted assets)						150,732						9.7		%				93,446						> =						6.0		%
Common equity tier 1 capital (to risk weighted assets)						150,732						9.7		%				70,085						> =						4.5		%
Tier 1 leverage ratio (to adjusted total assets)						150,732						8.5		%				71,180						> =						4.0		%
As of December 31, 2022
Total capital (to risk weighted assets)						$	218,737					14.0		%				$	124,971					> =						8.0		%
Tier 1 capital (to risk weighted assets)						150,798						9.7		%				93,728						> =						6.0		%
Common equity tier 1 capital (to risk weighted assets)						150,798						9.7		%				70,296						> =						4.5		%
Tier 1 leverage ratio (to adjusted total assets)						150,798						8.5		%				70,610						> =						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 https://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 https://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826

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