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REGULATORY CAPITAL (Tables)

12 Months Ended

Dec. 31, 2023

REGULATORY CAPITAL

Schedule of compliance with regulatory capital requirements under banking regulations

AT DECEMBER 31, 2023

TO BE WELL

MINIMUM

CAPITALIZED

REQUIRED

UNDER

FOR

PROMPT

CAPITAL

CORRECTIVE

ADEQUACY

ACTION

COMPANY

BANK

PURPOSES

REGULATIONS*

AMOUNT

RATIO

AMOUNT

RATIO

RATIO

RATIO

(IN THOUSANDS, EXCEPT RATIOS)

Total Capital (To Risk Weighted Assets)

$

149,596

13.03

%

$

135,196

11.82

%

8.00

%

10.00

%

Common Equity Tier 1 Capital (To Risk Weighted Assets)

108,541

9.46

120,874

10.57

4.50

6.50

Tier 1 Capital (To Risk Weighted Assets)

108,541

9.46

120,874

10.57

6.00

8.00

Tier 1 Capital (To Average Assets)

108,541

7.80

120,874

8.78

4.00

5.00


		AT DECEMBER 31, 2022
														TO BE WELL
												MINIMUM		CAPITALIZED
												REQUIRED		UNDER
												FOR		PROMPT
												CAPITAL		CORRECTIVE
												ADEQUACY		ACTION
		COMPANY					BANK					PURPOSES		REGULATIONS*
		AMOUNT			RATIO		AMOUNT			RATIO		RATIO		RATIO

		(IN THOUSANDS, EXCEPT RATIOS)
Total Capital (To Risk Weighted Assets)		$	153,092		13.87	%	$	136,767		12.44	%	8.00	%	10.00	%
Common Equity Tier 1 Capital (To Risk Weighted Assets)			114,959		10.41			125,278		11.39		4.50		6.50
Tier 1 Capital (To Risk Weighted Assets)			114,959		10.41			125,278		11.39		6.00		8.00
Tier 1 Capital (To Average Assets)			114,959		8.52			125,278		9.39		4.00		5.00

* Applies to the Bank only.