REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2018

LOANS AND ALLOWANCE FOR LOAN LOSSES

Schedule of Company and the Bank's Actual Capital Amounts and Ratios

(In 000’s)	Actual					Minimum to be Well Capitalized					Minimum to be Adequately Capitalized
	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total (Tier II) capital to risk weighted assets:
Company	$	1,817		6.48	%		N/A				$	3,338		10.22	%
Bank		1,777		6.34			2,803		10.00	%		3,300		10.11
Tier I capital to risk weighted assets
Company		1,539		5.49			N/A					3,158		9.67
Bank		1,499		5.35			2,242		8.00	%		3,120		9.56
Common equity Tier I capital to risk weighted assets
Company		1,539		5.49			N/A					3,158		9.67
Bank		1,499		5.35			1,822		6.50	%		3,120		9.56
Tier I Leverage ratio (Tier I capital to total quarterly average assets)
Company		1,539		3.08			N/A					3,158		5.58
Bank		1,499		3.00			2,502		5.00	%		3,120		5.51

(In 000’s)	Actual					Minimum to be Well Capitalized					Minimum to be Adequately Capitalized
	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total (Tier II) capital to risk weighted assets:
Company	$	3,338		10.22	%		N/A
Bank		3,300		10.11			3,265		10.0	%	$	2,612		8.00	%
Tier I capital to risk weighted assets
Company		3,158		9.67			N/A
Bank		3,120		9.56			2,612		8.00	%		1,959		6.00	%
Common equity Tier I capital to risk weighted assets
Company		3,158		9.67			N/A
Bank		3,120		9.56			2,122		6.50	%		1,469		4.50	%
Tier I Leverage ratio (Tier I capital to total quarterly average assets)
Company		3,158		5.58			N/A
Bank		3,120		5.51			2,829		5.00	%		2,263		4.00	%