| Actual Capital Levels and Minimum Required Levels |
At June 30, 2018 and December 31, 2017, 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 |
|
June 30, 2018 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
183,526 |
|
|
|
11.8 |
% |
|
$ |
69,797 |
|
|
|
4.5 |
% |
|
$ |
98,879 |
|
|
|
6.4 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
217,299 |
|
|
|
14.0 |
|
|
|
69,790 |
|
|
|
4.5 |
|
|
|
98,870 |
|
|
|
6.4 |
|
|
$ |
100,808 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
223,526 |
|
|
|
14.4 |
|
|
|
93,062 |
|
|
|
6.0 |
|
|
|
122,144 |
|
|
|
7.9 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
217,299 |
|
|
|
14.0 |
|
|
|
93,054 |
|
|
|
6.0 |
|
|
|
122,133 |
|
|
|
7.9 |
|
|
|
124,072 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
240,221 |
|
|
|
15.5 |
|
|
|
124,083 |
|
|
|
8.0 |
|
|
|
153,165 |
|
|
|
9.9 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
233,994 |
|
|
|
15.1 |
|
|
|
124,072 |
|
|
|
8.0 |
|
|
|
153,151 |
|
|
|
9.9 |
|
|
|
155,090 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
223,526 |
|
|
|
11.9 |
|
|
|
75,094 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
217,299 |
|
|
|
11.6 |
|
|
|
75,031 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
93,789 |
|
|
|
5.0 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 |
|
|