REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2023

REGULATORY MATTERS

Actual capital ratios for the bank

	Actual					Minimum Capital Requirement					Minimum to be Well Capitalized Under Prompt Corrective Action Provisions
December 31, 2023	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total risk-based ratio	$	116,787		12.58	%	$	74,292		8.00	%	$	92,865		10.00	%
Tier 1 risk-based ratio		108,466		11.68	%		55,719		6.00	%		74,292		8.00	%
Common equity tier 1		108,466		11.68	%		41,789		4.50	%		60,362		6.50	%
Tier 1 leverage ratio		108,466		8.13	%		53,392		4.00	%		66,740		5.00	%

	Actual					Minimum Capital Requirement					Minimum to be Well Capitalized Under Prompt Corrective Action Provisions
December 31, 2022	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total risk-based ratio	$	114,455		13.64	%	$	67,124		8.00	%	$	83,905		10.00	%
Tier 1 risk-based ratio		106,519		12.70	%		50,343		6.00	%		67,124		8.00	%
Common equity tier 1		106,519		12.70	%		37,757		4.50	%		54,538		6.50	%
Tier 1 leverage ratio		106,519		8.22	%		51,842		4.00	%		64,802		5.00	%