| Actual Capital Levels and Minimum Required Levels |
At September 30, 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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| September 30, 2022 |
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CET1 capital (to risk weighted assets)
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Consolidated
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$
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269,231
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16.7
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%
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$
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72,455
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4.5
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%
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$
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112,708
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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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261,445
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16.2
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72,442
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4.5
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112,688
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7.0
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$
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104,639
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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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269,231
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16.7
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96,607
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6.0
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136,860
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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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261,445
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16.2
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96,589
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6.0
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136,835
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8.5
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128,786
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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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284,052
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17.6
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128,810
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8.0
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169,063
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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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276,266
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17.2
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128,786
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8.0
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169,031
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10.5
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160,982
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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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269,331
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9.3
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115,941
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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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261,445
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9.0
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115,930
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4.0
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N/A
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N/A
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144,912
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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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