| Actual Capital Levels and Minimum Required Levels |
At September 30, 2020 and December 31, 2019, actual capital levels and minimum required levels were (dollars in thousands):
| |
|
|
|
|
|
|
|
Minimum
Capital
|
|
|
Minimum Capital
Adequacy With
|
|
|
To Be Well
Capitalized Under
Prompt Corrective
|
|
| |
|
Actual |
|
|
Adequacy |
|
|
Capital Buffer |
|
|
Action Regulations |
|
| |
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
September 30, 2020 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
229,270 |
|
|
|
15.3 |
% |
|
$ |
67,421 |
|
|
|
4.5 |
% |
|
$ |
104,876 |
|
|
|
7.0 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
242,425 |
|
|
|
16.2 |
|
|
|
67,435 |
|
|
|
4.5 |
|
|
|
104,899 |
|
|
|
7.0 |
|
|
$ |
97,406 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
249,270 |
|
|
|
16.6 |
|
|
|
89,894 |
|
|
|
6.0 |
|
|
|
127,350 |
|
|
|
8.5 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
242,425 |
|
|
|
16.2 |
|
|
|
89,914 |
|
|
|
6.0 |
|
|
|
127,378 |
|
|
|
8.5 |
|
|
|
119,885 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
265,828 |
|
|
|
17.7 |
|
|
|
119,859 |
|
|
|
8.0 |
|
|
|
157,315 |
|
|
|
10.5 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
258,983 |
|
|
|
17.3 |
|
|
|
119,885 |
|
|
|
8.0 |
|
|
|
157,349 |
|
|
|
10.5 |
|
|
|
149,856 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
249,270 |
|
|
|
9.8 |
|
|
|
101,930 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
242,425 |
|
|
|
9.5 |
|
|
|
101,900 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
127,374 |
|
|
|
5.0 |
|
December 31, 2019 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
215,925 |
|
|
|
13.5 |
% |
|
$ |
72,187 |
|
|
|
4.5 |
% |
|
$ |
112,290 |
|
|
|
7.0 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
228,761 |
|
|
|
14.3 |
|
|
|
72,182 |
|
|
|
4.5 |
|
|
|
112,284 |
|
|
|
7.0 |
|
|
$ |
104,263 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
235,925 |
|
|
|
14.7 |
|
|
|
96,249 |
|
|
|
6.0 |
|
|
|
136,353 |
|
|
|
8.5 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
228,761 |
|
|
|
14.3 |
|
|
|
96,243 |
|
|
|
6.0 |
|
|
|
136,344 |
|
|
|
8.5 |
|
|
|
128,324 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
253,125 |
|
|
|
15.8 |
|
|
|
128,332 |
|
|
|
8.0 |
|
|
|
168,436 |
|
|
|
10.5 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
245,961 |
|
|
|
15.3 |
|
|
|
128,324 |
|
|
|
8.0 |
|
|
|
168,425 |
|
|
|
10.5 |
|
|
|
160,405 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
235,925 |
|
|
|
11.5 |
|
|
|
82,130 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
228,761 |
|
|
|
11.2 |
|
|
|
82,070 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
102,587 |
|
|
|
5.0 |
|
|