| Actual Capital Levels and Minimum Required Levels |
At June 30, 2019 and December 31, 2018, actual capital levels and minimum required levels were (dollars in thousands):
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Minimum
Capital
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Minimum Capital
Adequacy With
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To Be Well
Capitalized Under
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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June 30, 2019 |
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CET1 capital (to risk weighted assets) |
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Consolidated |
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$ |
204,178 |
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13.1 |
% |
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$ |
70,000 |
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4.5 |
% |
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$ |
108,889 |
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7.0 |
% |
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N/A |
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N/A |
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Bank |
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237,564 |
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15.3 |
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69,990 |
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4.5 |
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108,873 |
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7.0 |
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$ |
101,096 |
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6.5 |
% |
Tier 1 capital (to risk weighted assets) |
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Consolidated |
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244,178 |
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15.7 |
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93,333 |
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6.0 |
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132,222 |
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8.5 |
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N/A |
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N/A |
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Bank |
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237,564 |
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15.3 |
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93,320 |
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6.0 |
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132,203 |
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8.5 |
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124,426 |
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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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261,064 |
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16.8 |
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124,444 |
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8.0 |
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163,333 |
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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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254,450 |
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16.4 |
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124,426 |
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8.0 |
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163,309 |
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10.5 |
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155,533 |
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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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244,178 |
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12.3 |
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79,157 |
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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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237,564 |
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12.0 |
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79,094 |
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4.0 |
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N/A |
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N/A |
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98,868 |
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5.0 |
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December 31, 2018 |
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CET1 capital (to risk weighted assets) |
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Consolidated |
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$ |
193,131 |
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12.0 |
% |
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$ |
72,381 |
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4.5 |
% |
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$ |
102,540 |
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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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|
226,531 |
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14.1 |
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|
72,371 |
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4.5 |
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|
102,526 |
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6.4 |
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$ |
104,536 |
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6.5 |
% |
Tier 1 capital (to risk weighted assets) |
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Consolidated |
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233,131 |
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14.5 |
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96,508 |
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6.0 |
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126,667 |
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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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226,531 |
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14.1 |
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96,495 |
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6.0 |
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|
126,649 |
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7.9 |
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|
128,660 |
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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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250,007 |
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15.5 |
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128,678 |
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8.0 |
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158,837 |
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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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|
243,407 |
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15.1 |
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128,660 |
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8.0 |
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|
158,814 |
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9.9 |
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|
160,825 |
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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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233,131 |
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12.1 |
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|
76,963 |
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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 |
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|
226,531 |
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|
11.8 |
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|
76,902 |
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4.0 |
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N/A |
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N/A |
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|
96,128 |
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|
5.0 |
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