| Actual Capital Levels and Minimum Required Levels |
At June 30, 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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June 30, 2020 |
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CET1 capital (to risk weighted assets) |
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Consolidated |
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$ |
224,774 |
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14.9 |
% |
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$ |
67,776 |
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4.5 |
% |
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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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238,145 |
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15.8 |
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67,700 |
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4.5 |
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105,421 |
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7.0 |
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$ |
97,981 |
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6.5 |
% |
Tier 1 capital (to risk weighted assets) |
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Consolidated |
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244,774 |
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16.3 |
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90,368 |
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6.0 |
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128,022 |
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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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238,145 |
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15.8 |
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90,361 |
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6.0 |
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128,011 |
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8.5 |
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120,481
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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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260,629 |
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17.3 |
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120,491 |
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8.0 |
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158,145 |
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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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254,000 |
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16.9 |
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120,481 |
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8.0 |
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158,131 |
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10.5 |
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150,601
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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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244,774 |
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10.5 |
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|
93,350 |
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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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238,145 |
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10.2 |
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93,319 |
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4.0 |
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N/A |
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N/A |
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116,649
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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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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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