| 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, 2020 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted
assets)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
235,629 |
|
|
|
15.8 |
% |
|
$ |
67,170 |
|
|
|
4.5 |
% |
|
$ |
104,487 |
|
|
|
7.0 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
248,829 |
|
|
|
16.7 |
|
|
|
67,161 |
|
|
|
4.5 |
|
|
|
104,473 |
|
|
|
7.0 |
|
|
$ |
97,010 |
|
|
|
6.5 |
% |
|
Tier 1 capital (to risk weighted
assets)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
255,629 |
|
|
|
17.1 |
|
|
|
89,561 |
|
|
|
6.0 |
|
|
|
126,877 |
|
|
|
8.5 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
248,829 |
|
|
|
16.7 |
|
|
|
89,548 |
|
|
|
6.0 |
|
|
|
126,860 |
|
|
|
8.5 |
|
|
|
119,397 |
|
|
|
8.0 |
|
|
Total capital (to risk weighted
assets)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
273,037 |
|
|
|
18.3 |
|
|
|
119,414 |
|
|
|
8.0 |
|
|
|
156,731 |
|
|
|
10.5 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
266,237 |
|
|
|
17.8 |
|
|
|
119,397 |
|
|
|
8.0 |
|
|
|
156,709 |
|
|
|
10.5 |
|
|
|
149,247 |
|
|
|
10.0 |
|
|
Tier 1 capital (to average
assets)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
255,629 |
|
|
|
9.9 |
|
|
|
103,420 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
248,829 |
|
|
|
9.6 |
|
|
|
103,391 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
129,238 |
|
|
|
5.0 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2019 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted
assets)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
215,925 |
|
|
|
13.5 |
% |
|
$ |
72,187 |
|
|
|
4.5 |
% |
|
$ |
112,290 |
|
|
|
7.0 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
228,761 |
|
|
|
14.3 |
|
|
|
72,182 |
|
|
|
4.5 |
|
|
|
112,284 |
|
|
|
7.0 |
|
|
$ |
104,263 |
|
|
|
6.5 |
% |
|
Tier 1 capital (to risk weighted
assets)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
235,925 |
|
|
|
14.7 |
|
|
|
96,249 |
|
|
|
6.0 |
|
|
|
136,353 |
|
|
|
8.5 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
228,761 |
|
|
|
14.3 |
|
|
|
96,243 |
|
|
|
6.0 |
|
|
|
136,344 |
|
|
|
8.5 |
|
|
|
128,324 |
|
|
|
8.0 |
|
|
Total capital (to risk weighted
assets)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
253,125 |
|
|
|
15.8 |
|
|
|
128,332 |
|
|
|
8.0 |
|
|
|
168,436 |
|
|
|
10.5 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
245,961 |
|
|
|
15.3 |
|
|
|
128,324 |
|
|
|
8.0 |
|
|
|
168,425 |
|
|
|
10.5 |
|
|
|
160,405 |
|
|
|
10.0 |
|
|
Tier 1 capital (to average
assets)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
235,925 |
|
|
|
11.5 |
|
|
|
82,130 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
228,761 |
|
|
|
11.2 |
|
|
|
82,070 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
102,587 |
|
|
|
5.0 |
|
|