| Actual Capital Levels and Minimum Required Levels |
At March 31, 2017 and December 31, 2016, actual capital levels and minimum required levels were (dollars in thousands):
| |
|
Actual |
|
|
Minimum
Capital
Adequacy
|
|
|
Minimum Capital
Adequacy With
Capital Buffer
|
|
|
To Be Well
Capitalized Under
Prompt Corrective
Action Regulations
|
|
| |
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
March 31, 2017 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
166,880 |
|
|
|
11.3 |
% |
|
$ |
66,557 |
|
|
|
4.5 |
% |
|
$ |
85,045 |
|
|
|
5.8 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
201,129 |
|
|
|
13.6 |
|
|
|
66,552 |
|
|
|
4.5 |
|
|
|
85,038 |
|
|
|
5.8 |
|
|
$ |
96,130 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
206,880 |
|
|
|
14.0 |
|
|
|
88,742 |
|
|
|
6.0 |
|
|
|
107,230 |
|
|
|
7.3 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
201,129 |
|
|
|
13.6 |
|
|
|
88,736 |
|
|
|
6.0 |
|
|
|
107,222 |
|
|
|
7.3 |
|
|
|
118,314 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
223,575 |
|
|
|
15.1 |
|
|
|
118,323 |
|
|
|
8.0 |
|
|
|
136,811 |
|
|
|
9.3 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
217,825 |
|
|
|
14.7 |
|
|
|
118,314 |
|
|
|
8.0 |
|
|
|
136,801 |
|
|
|
9.3 |
|
|
|
147,893 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
206,880 |
|
|
|
12.1 |
|
|
|
68,329 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
201,129 |
|
|
|
11.8 |
|
|
|
68,264 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
85,330 |
|
|
|
5.0 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2016 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
163,663 |
|
|
|
11.0 |
% |
|
$ |
66,743 |
|
|
|
4.5 |
% |
|
$ |
76,013 |
|
|
|
5.1 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
197,972 |
|
|
|
13.4 |
|
|
|
66,737 |
|
|
|
4.5 |
|
|
|
76,006 |
|
|
|
5.1 |
|
|
$ |
96,398 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
203,663 |
|
|
|
13.7 |
|
|
|
88,991 |
|
|
|
6.0 |
|
|
|
98,261 |
|
|
|
6.6 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
197,972 |
|
|
|
13.4 |
|
|
|
88,983 |
|
|
|
6.0 |
|
|
|
98,252 |
|
|
|
6.6 |
|
|
|
118,644 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
220,625 |
|
|
|
14.9 |
|
|
|
118,655 |
|
|
|
8.0 |
|
|
|
127,925 |
|
|
|
8.6 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
214,934 |
|
|
|
14.5 |
|
|
|
118,644 |
|
|
|
8.0 |
|
|
|
127,913 |
|
|
|
8.6 |
|
|
|
148,305 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
203,663 |
|
|
|
12.0 |
|
|
|
67,810 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
197,972 |
|
|
|
11.7 |
|
|
|
67,742 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
84,677 |
|
|
|
5.0 |
|
|