| Actual Capital Levels and Minimum Required Levels |
At September 30, 2017 and December 31, 2016, actual capital levels and minimum required levels were (dollars in thousands):
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To Be Well |
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Minimum |
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Minimum Capital |
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Capitalized Under |
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Capital |
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Adequacy With |
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Prompt Corrective |
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Actual |
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Adequacy |
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Capital Buffer |
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Action Regulations |
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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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September 30, 2017 |
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CET1 capital (to risk weighted assets) |
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Consolidated |
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$ |
173,779 |
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11.7 |
% |
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$ |
66,837 |
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4.5 |
% |
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$ |
85,403 |
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5.8 |
% |
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N/A |
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N/A |
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Bank |
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207,805 |
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14.0 |
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66,831 |
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4.5 |
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85,395 |
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5.8 |
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$ |
96,533 |
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6.5 |
% |
Tier 1 capital (to risk weighted assets) |
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Consolidated |
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213,779 |
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14.4 |
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89,116 |
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6.0 |
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107,682 |
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7.3 |
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N/A |
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N/A |
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Bank |
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207,805 |
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14.0 |
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89,108 |
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6.0 |
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107,672 |
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7.3 |
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118,810 |
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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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230,213 |
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15.5 |
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118,821 |
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8.0 |
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137,387 |
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9.3 |
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N/A |
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N/A |
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Bank |
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224,239 |
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15.1 |
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118,810 |
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8.0 |
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137,374 |
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9.3 |
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148,513 |
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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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213,779 |
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12.0 |
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71,008 |
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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 |
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Bank |
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207,805 |
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11.7 |
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70,945 |
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4.0 |
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N/A |
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N/A |
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88,682 |
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5.0 |
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December 31, 2016 |
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CET1 capital (to risk weighted assets) |
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Consolidated |
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$ |
163,663 |
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11.0 |
% |
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$ |
66,743 |
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4.5 |
% |
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$ |
76,013 |
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5.1 |
% |
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N/A |
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N/A |
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Bank |
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197,972 |
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13.4 |
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66,737 |
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4.5 |
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76,006 |
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5.1 |
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$ |
96,398 |
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6.5 |
% |
Tier 1 capital (to risk weighted assets) |
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Consolidated |
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203,663 |
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13.7 |
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88,991 |
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6.0 |
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98,261 |
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6.6 |
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N/A |
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N/A |
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Bank |
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197,972 |
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13.4 |
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88,983 |
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6.0 |
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98,252 |
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6.6 |
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118,644 |
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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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220,625 |
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14.9 |
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118,655 |
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8.0 |
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127,925 |
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8.6 |
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N/A |
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N/A |
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Bank |
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214,934 |
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14.5 |
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118,644 |
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8.0 |
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127,913 |
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8.6 |
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148,305 |
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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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203,663 |
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12.0 |
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67,810 |
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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 |
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Bank |
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197,972 |
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11.7 |
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67,742 |
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4.0 |
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N/A |
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N/A |
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84,677 |
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5.0 |
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