| Actual Capital Levels and Minimum Required Levels |
At March 31, 2022 and December 31, 2021, 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, 2022 |
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CET1 capital (to risk weighted assets)
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Consolidated
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$
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257,758
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16.9
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%
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$
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68,554
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4.5
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%
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$
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106,639
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7.0
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%
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N/A
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N/A
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Bank
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249,690
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16.4
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68,539
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4.5
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106,616
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7.0
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$
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99,000
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6.5
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%
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Tier 1 capital (to risk weighted assets)
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Consolidated
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257,758
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16.9
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91,405
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6.0
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129,490
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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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249,690
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16.4
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91,385
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6.0
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129,462
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8.5
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121,847
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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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272,374
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17.9
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121,873
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8.0
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159,958
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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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264,306
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17.4
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121,847
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8.0
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159,924
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10.5
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152,308
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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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257,758
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8.8
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116,859
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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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249,690
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8.6
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116,847
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4.0
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N/A
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N/A
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146,059
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5.0
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| December 31, 2021 |
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CET1 capital (to risk weighted assets)
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Consolidated
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$
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254,302
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17.2
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%
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$
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66,381
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4.5
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%
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$
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103,259
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7.0
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%
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N/A
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N/A
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Bank
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246,239
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16.7
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66,370
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4.5
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103,242
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7.0
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$
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95,867
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6.5
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%
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Tier 1 capital (to risk weighted assets)
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Consolidated
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254,302
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17.2
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88,508
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6.0
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125,386
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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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246,239
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16.7
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88,493
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6.0
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125,365
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8.5
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117,991
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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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270,191
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18.3
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118,011
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8.0
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154,889
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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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262,128
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17.8
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117,991
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8.0
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154,863
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10.5
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147,488
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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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254,302
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8.7
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116,664
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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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246,239
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8.4
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116,654
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4.0
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N/A
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N/A
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145,818
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5.0
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