| Actual Capital Levels and Minimum Required Levels |
At March 31, 2021 and December 31, 2020, actual capital levels and minimum required levels were (dollars in thousands):
| |
|
Actual |
|
|
Minimum
Capital
Adequacy
|
|
|
Minimum Capital
Adequacy With
Capital Buffer
|
|
|
To Be Well
Capitalized Under
Prompt Corrective
Action Regulations
|
|
| |
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
March 31, 2021 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
240,843 |
|
|
|
16.7 |
% |
|
$ |
64,791 |
|
|
|
4.5 |
% |
|
$ |
100,786 |
|
|
|
7.0 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
253,330 |
|
|
|
17.6 |
|
|
|
64,785 |
|
|
|
4.5 |
|
|
|
100,776 |
|
|
|
7.0 |
|
|
$ |
93,578 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
260,843 |
|
|
|
18.1 |
|
|
|
86,388 |
|
|
|
6.0 |
|
|
|
122,383 |
|
|
|
8.5 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
253,330 |
|
|
|
17.6 |
|
|
|
86,380 |
|
|
|
6.0 |
|
|
|
122,371 |
|
|
|
8.5 |
|
|
|
115,173 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
278,295 |
|
|
|
19.3 |
|
|
|
115,184 |
|
|
|
8.0 |
|
|
|
151,180 |
|
|
|
10.5 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
270,782 |
|
|
|
18.8 |
|
|
|
115,173 |
|
|
|
8.0 |
|
|
|
151,165 |
|
|
|
10.5 |
|
|
|
143,966 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
260,843 |
|
|
|
9.8 |
|
|
|
106,493 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
253,330 |
|
|
|
9.5 |
|
|
|
106,459 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
133,073 |
|
|
|
5.0 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2020 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
235,629 |
|
|
|
15.8 |
% |
|
$ |
67,170 |
|
|
|
4.5 |
% |
|
$ |
104,487 |
|
|
|
7.0 |
% |
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
248,829 |
|
|
|
16.7 |
|
|
|
67,161 |
|
|
|
4.5 |
|
|
|
104,473 |
|
|
|
7.0 |
|
|
$ |
97,010 |
|
|
|
6.5 |
% |
Tier 1 capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
255,629 |
|
|
|
17.1 |
|
|
|
89,561 |
|
|
|
6.0 |
|
|
|
126,877 |
|
|
|
8.5 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
248,829 |
|
|
|
16.7 |
|
|
|
89,548 |
|
|
|
6.0 |
|
|
|
126,860 |
|
|
|
8.5 |
|
|
|
119,397 |
|
|
|
8.0 |
|
Total capital (to risk weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
273,037 |
|
|
|
18.3 |
|
|
|
119,414 |
|
|
|
8.0 |
|
|
|
156,731 |
|
|
|
10.5 |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
266,237 |
|
|
|
17.8 |
|
|
|
119,397 |
|
|
|
8.0 |
|
|
|
156,709 |
|
|
|
10.5 |
|
|
|
149,247 |
|
|
|
10.0 |
|
Tier 1 capital (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
255,629 |
|
|
|
9.9 |
|
|
|
103,420 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
N/A |
|
Bank |
|
|
248,829 |
|
|
|
9.6 |
|
|
|
103,391 |
|
|
|
4.0 |
|
|
|
N/A |
|
|
|
N/A |
|
|
|
129,238 |
|
|
|
5.0 |
|
|