| 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, 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 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2018 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
193,131 |
|
|
|
12.0 |
% |
|
$ |
72,381 |
|
|
|
4.5 |
% |
|
$ |
102,540 |
|
|
|
6.4 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
226,531 |
|
|
|
14.1 |
|
|
|
72,371 |
|
|
|
4.5 |
|
|
|
102,526 |
|
|
|
6.4 |
|
|
$ |
104,536 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
233,131 |
|
|
|
14.5 |
|
|
|
96,508 |
|
|
|
6.0 |
|
|
|
126,667 |
|
|
|
7.9 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
226,531 |
|
|
|
14.1 |
|
|
|
96,495 |
|
|
|
6.0 |
|
|
|
126,649 |
|
|
|
7.9 |
|
|
|
128,660 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
250,007 |
|
|
|
15.5 |
|
|
|
128,678 |
|
|
|
8.0 |
|
|
|
158,837 |
|
|
|
9.9 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
243,407 |
|
|
|
15.1 |
|
|
|
128,660 |
|
|
|
8.0 |
|
|
|
158,814 |
|
|
|
9.9 |
|
|
|
160,825 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
233,131 |
|
|
|
12.1 |
|
|
|
76,963 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
226,531 |
|
|
|
11.8 |
|
|
|
76,902 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
96,128 |
|
|
|
5.0 |
|
|