| Actual Capital Levels and Minimum Required Levels |
At March 31, 2020 and December 31, 2019, 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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March 31, 2020 |
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CET1 capital (to risk weighted assets) |
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Consolidated |
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$ |
219,714 |
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13.4 |
% |
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$ |
73,610 |
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4.5 |
% |
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$ |
114,504 |
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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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232,775 |
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14.2 |
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73,604 |
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4.5 |
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114,496 |
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7.0 |
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$ |
106,318 |
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6.5 |
% |
Tier 1 capital (to risk weighted assets) |
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Consolidated |
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239,714 |
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14.7 |
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98,146 |
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6.0 |
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139,041 |
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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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232,775 |
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14.2 |
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98,139 |
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6.0 |
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139,031 |
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8.5 |
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130,852 |
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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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258,603 |
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15.8 |
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130,862 |
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8.0 |
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171,756 |
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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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251,664 |
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15.4 |
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130,852 |
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8.0 |
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171,744 |
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10.5 |
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163,565 |
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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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239,714 |
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11.9 |
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|
80,568 |
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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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232,775 |
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11.6 |
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80,537 |
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4.0 |
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N/A |
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N/A |
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100,671 |
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5.0 |
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December 31, 2019 |
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CET1 capital (to risk weighted assets) |
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Consolidated |
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$ |
215,925 |
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13.5 |
% |
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$ |
72,187 |
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4.5 |
% |
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$ |
112,290 |
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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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|
228,761 |
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14.3 |
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|
72,182 |
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4.5 |
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|
112,284 |
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7.0 |
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$ |
104,263 |
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6.5 |
% |
Tier 1 capital (to risk weighted assets) |
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Consolidated |
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235,925 |
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14.7 |
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|
96,249 |
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6.0 |
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136,353 |
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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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228,761 |
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14.3 |
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96,243 |
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6.0 |
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136,344 |
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8.5 |
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|
128,324 |
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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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253,125 |
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15.8 |
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128,332 |
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8.0 |
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168,436 |
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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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245,961 |
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15.3 |
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128,324 |
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8.0 |
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|
168,425 |
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10.5 |
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|
160,405 |
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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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235,925 |
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11.5 |
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|
82,130 |
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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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|
228,761 |
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11.2 |
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|
82,070 |
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4.0 |
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N/A |
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N/A |
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|
102,587 |
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|
5.0 |
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