| Actual Capital Levels and Minimum Required Levels |
Actual capital levels (dollars in thousands) and minimum required levels were as follows at year-end:
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Actual
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Minimum
Capital
Adequacy
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Minimum Capital
Adequacy With
Capital Buffer
|
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To Be Well
Capitalized Under
Prompt Corrective
Action Regulations
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| |
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Amount
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Ratio
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Amount
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Ratio
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Amount
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Ratio
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Amount
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Ratio
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December 31, 2021
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CET1 capital (to risk weighted
assets)
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Consolidated
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$
|
254,302
|
|
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17.2
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%
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|
$
|
66,381
|
|
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|
4.5
|
%
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|
$
|
103,259
|
|
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|
7.0
|
%
|
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N/A
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N/A
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|
Bank
|
|
|
246,239
|
|
|
|
16.7
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|
|
|
66,370
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|
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|
4.5
|
|
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|
103,242
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|
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7.0
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$
|
95,867
|
|
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|
6.5
|
%
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|
Tier 1 capital (to risk weighted
assets)
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Consolidated
|
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254,302
|
|
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|
17.2
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|
88,508
|
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|
6.0
|
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|
125,386
|
|
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|
8.5
|
|
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|
N/A
|
|
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N/A
|
|
|
Bank
|
|
|
246,239
|
|
|
|
16.7
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|
|
|
88,493
|
|
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|
6.0
|
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|
125,365
|
|
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|
8.5
|
|
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|
117,991
|
|
|
|
8.0
|
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|
Total capital (to risk weighted
assets)
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Consolidated
|
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|
270,191
|
|
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|
18.3
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|
118,011
|
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|
8.0
|
|
|
|
154,889
|
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|
10.5
|
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N/A
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N/A
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Bank
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|
262,128
|
|
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|
17.8
|
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|
117,991
|
|
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|
8.0
|
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|
154,863
|
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|
10.5
|
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|
147,488
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|
10.0
|
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Tier 1 capital (to average
assets)
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Consolidated
|
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|
254,302
|
|
|
|
8.7
|
|
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|
116,664
|
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|
4.0
|
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N/A
|
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N/A
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N/A
|
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N/A
|
|
|
Bank
|
|
|
246,239
|
|
|
|
8.4
|
|
|
|
116,654
|
|
|
|
4.0
|
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N/A
|
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N/A
|
|
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|
145,818
|
|
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|
5.0
|
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| |
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December 31, 2020
|
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|
CET1 capital (to risk weighted
assets)
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Consolidated
|
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$
|
235,629
|
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|
15.8
|
%
|
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$
|
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)
|
|
|
|
|
|
|
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Consolidated
|
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|
255,629
|
|
|
|
17.1
|
|
|
|
89,561
|
|
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|
6.0
|
|
|
|
126,877
|
|
|
|
8.5
|
|
|
|
N/A
|
|
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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)
|
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|
|
|
|
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|
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Consolidated
|
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|
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
|
|
|