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CAPITAL MATTERS (Tables)

9 Months Ended

Sep. 30, 2024

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 September 30, 2024, and December 31, 2023, 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 September 30, 2024
Total capital (to risk weighted assets)						$	226,597					15.0		%				$	120,814					> =						8.0		%				$	151,018					> =						10.0		%
Tier 1 capital (to risk weighted assets)						208,326						13.8		%				90,611						> =						6.0		%				120,814						> =						8.0		%
Common equity tier 1 capital (to risk weighted assets)						208,326						13.8		%				67,958						> =						4.5		%				98,162						> =						6.5		%
Tier 1 leverage ratio (to adjusted total assets)						208,326						11.7		%				71,173						> =						4.0		%				88,966						> =						5.0		%
As of December 31, 2023
Total capital (to risk weighted assets)						$	228,092					14.6		%				$	124,883					> =						8.0		%				$	156,104					> =						10.0		%
Tier 1 capital (to risk weighted assets)						208,726						13.4		%				93,662						> =						6.0		%				124,883						> =						8.0		%
Common equity tier 1 capital (to risk weighted assets)						208,726						13.4		%				70,247						> =						4.5		%				101,468						> =						6.5		%
Tier 1 leverage ratio (to adjusted total assets)						208,726						11.5		%				72,479						> =						4.0		%				90,599						> =						5.0		%

The Company’s Tier 1 (leverage) and risk-based capital ratios at September 30, 2024 and December 31, 2023, respectively, are presented below:

						Actual												For Capital Adequacy Purposes
						Amount						Ratio						Amount												Ratio
As of September 30, 2024
Total capital (to risk weighted assets)						$	231,825					15.3		%				$	120,972					> =						8.0		%
Tier 1 capital (to risk weighted assets)						163,554						10.8		%				90,729						> =						6.0		%
Common equity tier 1 capital (to risk weighted assets)						163,554						10.8		%				68,047						> =						4.5		%
Tier 1 leverage ratio (to adjusted total assets)						163,554						9.2		%				71,173						> =						4.0		%
As of December 31, 2023
Total capital (to risk weighted assets)						$	230,160					14.7		%				$	124,883					> =						8.0		%
Tier 1 capital (to risk weighted assets)						160,794						10.3		%				93,662						> =						6.0		%
Common equity tier 1 capital (to risk weighted assets)						160,794						10.3		%				70,247						> =						4.5		%
Tier 1 leverage ratio (to adjusted total assets)						160,794						8.9		%				72,479						> =						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/1943274/2147477270/942-505-50-1

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/1943274/2147477270/942-505-50-1B

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