| 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, 2022
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CET1 capital (to risk weighted
assets)
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Consolidated
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$
|
278,615
|
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|
16.9
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%
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|
$
|
74,003
|
|
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4.5
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%
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|
$
|
115,116
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|
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7.0
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%
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N/A
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N/A
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Bank
|
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|
270,274
|
|
|
|
16.4
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|
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|
73,992
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4.5
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|
115,098
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|
7.0
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$
|
106,877
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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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278,615
|
|
|
|
16.9
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|
98,670
|
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6.0
|
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|
139,783
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|
8.5
|
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N/A
|
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N/A
|
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|
Bank
|
|
|
270,274
|
|
|
|
16.4
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|
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|
98,655
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|
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6.0
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|
139,762
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|
8.5
|
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|
131,540
|
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|
8.0
|
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Total capital (to risk weighted
assets)
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Consolidated
|
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293,900
|
|
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|
17.9
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|
131,561
|
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|
8.0
|
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|
172,673
|
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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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|
285,559
|
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|
17.4
|
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|
131,540
|
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8.0
|
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|
172,647
|
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|
10.5
|
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|
164,426
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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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|
278,615
|
|
|
|
9.7
|
|
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|
114,589
|
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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
|
|
|
270,274
|
|
|
|
9.4
|
|
|
|
114,582
|
|
|
|
4.0
|
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N/A
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N/A
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|
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|
143,227
|
|
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|
5.0
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| |
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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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$
|
66,381
|
|
|
|
4.5
|
%
|
|
$
|
103,259
|
|
|
|
7.0
|
%
|
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N/A
|
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N/A
|
|
|
Bank
|
|
|
246,239
|
|
|
|
16.7
|
|
|
|
66,370
|
|
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|
4.5
|
|
|
|
103,242
|
|
|
|
7.0
|
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|
$
|
95,867
|
|
|
|
6.5
|
%
|
|
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
|
|
|
|
125,386
|
|
|
|
8.5
|
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|
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N/A
|
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N/A
|
|
|
Bank
|
|
|
246,239
|
|
|
|
16.7
|
|
|
|
88,493
|
|
|
|
6.0
|
|
|
|
125,365
|
|
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|
8.5
|
|
|
|
117,991
|
|
|
|
8.0
|
|
|
Total capital (to risk weighted
assets)
|
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|
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Consolidated
|
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|
270,191
|
|
|
|
18.3
|
|
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|
118,011
|
|
|
|
8.0
|
|
|
|
154,889
|
|
|
|
10.5
|
|
|
|
N/A
|
|
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|
N/A
|
|
|
Bank
|
|
|
262,128
|
|
|
|
17.8
|
|
|
|
117,991
|
|
|
|
8.0
|
|
|
|
154,863
|
|
|
|
10.5
|
|
|
|
147,488
|
|
|
|
10.0
|
|
|
Tier 1 capital (to average
assets)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated
|
|
|
254,302
|
|
|
|
8.7
|
|
|
|
116,664
|
|
|
|
4.0
|
|
|
|
N/A
|
|
|
|
N/A
|
|
|
|
N/A
|
|
|
|
N/A
|
|
|
Bank
|
|
|
246,239
|
|
|
|
8.4
|
|
|
|
116,654
|
|
|
|
4.0
|
|
|
|
N/A
|
|
|
|
N/A
|
|
|
|
145,818
|
|
|
|
5.0
|
|
|