| Actual Capital Levels and Minimum Required Levels |
At March 31, 2018 and December 31, 2017, actual capital levels and minimum required levels were (dollars in thousands):
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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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March 31, 2018 |
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CET1 capital (to risk weighted assets) |
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Consolidated |
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$ |
178,737 |
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11.7 |
% |
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$ |
68,946 |
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4.5 |
% |
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$ |
97,674 |
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6.4 |
% |
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N/A |
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N/A |
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Bank |
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212,538 |
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13.9 |
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68,941 |
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4.5 |
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|
97,666 |
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6.4 |
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$ |
99,581 |
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6.5 |
% |
Tier 1 capital (to risk weighted assets) |
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Consolidated |
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218,737 |
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14.3 |
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|
91,929 |
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6.0 |
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|
120,656 |
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7.9 |
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N/A |
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N/A |
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Bank |
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|
212,538 |
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13.9 |
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|
91,921 |
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6.0 |
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|
120,647 |
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7.9 |
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|
122,562 |
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|
8.0 |
|
Total capital (to risk weighted assets) |
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Consolidated |
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235,412 |
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15.4 |
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122,572 |
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8.0 |
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151,299 |
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9.9 |
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N/A |
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N/A |
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Bank |
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|
229,213 |
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15.0 |
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122,562 |
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8.0 |
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|
151,287 |
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9.9 |
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|
153,202 |
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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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218,737 |
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11.8 |
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|
73,978 |
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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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212,538 |
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11.5 |
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|
73,916 |
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4.0 |
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N/A |
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N/A |
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92,395 |
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5.0 |
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December 31, 2017 |
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CET1 capital (to risk weighted assets) |
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Consolidated |
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$ |
174,258 |
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11.3 |
% |
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$ |
69,326 |
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4.5 |
% |
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$ |
88,583 |
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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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|
208,356 |
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13.5 |
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|
69,257 |
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4.5 |
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|
88,495 |
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|
5.8 |
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$ |
100,038 |
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6.5 |
% |
Tier 1 capital (to risk weighted assets) |
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Consolidated |
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214,258 |
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13.9 |
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|
92,435 |
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6.0 |
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|
111,692 |
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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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|
208,356 |
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13.5 |
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|
92,343 |
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6.0 |
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|
111,581 |
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7.3 |
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|
123,124 |
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|
8.0 |
|
Total capital (to risk weighted assets) |
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Consolidated |
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230,858 |
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15.0 |
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|
123,246 |
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8.0 |
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|
142,504 |
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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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|
224,956 |
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|
14.6 |
|
|
|
123,124 |
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8.0 |
|
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|
142,362 |
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|
9.3 |
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|
|
153,905 |
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|
10.0 |
|
Tier 1 capital (to average assets) |
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|
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|
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Consolidated |
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|
214,258 |
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|
|
11.9 |
|
|
|
72,138 |
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|
|
4.0 |
|
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N/A |
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|
N/A |
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|
N/A |
|
|
|
N/A |
|
Bank |
|
|
208,356 |
|
|
|
11.6 |
|
|
|
72,076 |
|
|
|
4.0 |
|
|
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N/A |
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|
N/A |
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|
|
90,095 |
|
|
|
5.0 |
|
|