| Actual Capital Levels and Minimum Required Levels |
Actual capital levels (dollars in thousands) and minimum required levels were as follows at year-end:
| |
|
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 |
|
December 31, 2017 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
174,258 |
|
|
|
11.3 |
% |
|
$ |
69,326 |
|
|
|
4.5 |
% |
|
$ |
88,583 |
|
|
|
5.8 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
208,356 |
|
|
|
13.5 |
|
|
|
69,257 |
|
|
|
4.5 |
|
|
|
88,495 |
|
|
|
5.8 |
|
|
$ |
100,038 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
214,258 |
|
|
|
13.9 |
|
|
|
92,435 |
|
|
|
6.0 |
|
|
|
111,692 |
|
|
|
7.3 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
208,356 |
|
|
|
13.5 |
|
|
|
92,343 |
|
|
|
6.0 |
|
|
|
111,581 |
|
|
|
7.3 |
|
|
|
123,124 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
230,858 |
|
|
|
15.0 |
|
|
|
123,246 |
|
|
|
8.0 |
|
|
|
142,504 |
|
|
|
9.3 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
224,956 |
|
|
|
14.6 |
|
|
|
123,124 |
|
|
|
8.0 |
|
|
|
142,362 |
|
|
|
9.3 |
|
|
|
153,905 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
214,258 |
|
|
|
11.9 |
|
|
|
72,138 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
208,356 |
|
|
|
11.6 |
|
|
|
72,076 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
90,095 |
|
|
|
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 |
|
|