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CAPITAL MATTERS (Tables)

6 Months Ended

Jun. 30, 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 June 30, 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 June 30, 2023
Total capital (to risk weighted assets)						$	230,053					14.7		%				$	125,304					> =						8.0		%				$	156,630					> =						10.0		%
Tier 1 capital (to risk weighted assets)						210,459						13.5		%				93,978						> =						6.0		%				125,304						> =						8.0		%
Common equity tier 1 capital (to risk weighted assets)						210,459						13.5		%				70,484						> =						4.5		%				101,810						> =						6.5		%
Tier 1 leverage ratio (to adjusted total assets)						210,459						11.7		%				72,054						> =						4.0		%				90,067						> =						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 June 30, 2023 and December 31, 2022, respectively, are presented below:

						Actual												For Capital Adequacy Purposes
						Amount						Ratio						Amount												Ratio
As of June 30, 2023
Total capital (to risk weighted assets)						$	223,802					14.3		%				$	125,304					> =						8.0		%
Tier 1 capital (to risk weighted assets)						154,208						9.9		%				93,978						> =						6.0		%
Common equity tier 1 capital (to risk weighted assets)						154,208						9.9		%				70,484						> =						4.5		%
Tier 1 leverage ratio (to adjusted total assets)						154,208						8.6		%				72,054						> =						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
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480696/942-505-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480696/942-505-50-1B

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