| Actual Capital Levels and Minimum Required Levels |
At September 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 |
|
September 30, 2018 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
188,464 |
|
|
|
12.1 |
% |
|
$ |
69,907 |
|
|
|
4.5 |
% |
|
$ |
99,035 |
|
|
|
6.4 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
221,850 |
|
|
|
14.3 |
|
|
|
69,903 |
|
|
|
4.5 |
|
|
|
99,029 |
|
|
|
6.4 |
|
|
$ |
100,971 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
228,464 |
|
|
|
14.7 |
|
|
|
93,209 |
|
|
|
6.0 |
|
|
|
122,337 |
|
|
|
7.9 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
221,850 |
|
|
|
14.3 |
|
|
|
93,204 |
|
|
|
6.0 |
|
|
|
122,330 |
|
|
|
7.9 |
|
|
|
124,272 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
245,267 |
|
|
|
15.8 |
|
|
|
124,279 |
|
|
|
8.0 |
|
|
|
153,407 |
|
|
|
9.9 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
238,653 |
|
|
|
15.4 |
|
|
|
124,272 |
|
|
|
8.0 |
|
|
|
153,398 |
|
|
|
9.9 |
|
|
|
155,340 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
228,464 |
|
|
|
11.9 |
|
|
|
76,825 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
221,850 |
|
|
|
11.6 |
|
|
|
76,782 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
95,977 |
|
|
|
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 |
|
|