| Actual Capital Levels and Minimum Required Levels |
At March 31, 2023 and December 31, 2022, 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
|
|
| March 31, 2023 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated
|
|
$
|
286,826
|
|
|
|
17.1
|
%
|
|
$
|
75,561
|
|
|
|
4.5
|
%
|
|
$
|
117,539
|
|
|
|
7.0
|
%
|
|
|
N/A
|
|
|
|
N/A
|
|
|
Bank
|
|
|
278,347
|
|
|
|
16.6
|
|
|
|
75,558
|
|
|
|
4.5
|
|
|
|
117,535
|
|
|
|
7.0
|
|
|
$
|
109,139
|
|
|
|
6.5
|
%
|
|
Tier 1 capital (to risk weighted assets)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated
|
|
|
286,826
|
|
|
|
17.1
|
|
|
|
100,748
|
|
|
|
6.0
|
|
|
|
142,726
|
|
|
|
8.5
|
|
|
|
N/A
|
|
|
|
N/A
|
|
|
Bank
|
|
|
278,347
|
|
|
|
16.6
|
|
|
|
100,744
|
|
|
|
6.0
|
|
|
|
142,720
|
|
|
|
8.5
|
|
|
|
134,325
|
|
|
|
8.0
|
|
|
Total capital (to risk weighted assets)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated
|
|
|
303,620
|
|
|
|
18.1
|
|
|
|
134,331
|
|
|
|
8.0
|
|
|
|
176,309
|
|
|
|
10.5
|
|
|
|
N/A
|
|
|
|
N/A
|
|
|
Bank
|
|
|
295,141
|
|
|
|
17.6
|
|
|
|
134,325
|
|
|
|
8.0
|
|
|
|
176,302
|
|
|
|
10.5
|
|
|
|
167,906
|
|
|
|
10.0
|
|
|
Tier 1 capital (to average assets)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated
|
|
|
286,826
|
|
|
|
10.3
|
|
|
|
111,845
|
|
|
|
4.0
|
|
|
|
N/A
|
|
|
|
N/A
|
|
|
|
N/A
|
|
|
|
N/A
|
|
|
Bank
|
|
|
278,347
|
|
|
|
10.0
|
|
|
|
111,839
|
|
|
|
4.0
|
|
|
|
N/A
|
|
|
|
N/A
|
|
|
|
139,799
|
|
|
|
5.0
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| December 31, 2022
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital (to risk weighted assets)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated
|
|
$
|
278,615
|
|
|
|
16.9
|
%
|
|
$
|
74,003
|
|
|
|
4.5
|
%
|
|
$
|
115,116
|
|
|
|
7.0
|
%
|
|
|
N/A
|
|
|
|
N/A
|
|
|
Bank
|
|
|
270,274
|
|
|
|
16.4
|
|
|
|
73,992
|
|
|
|
4.5
|
|
|
|
115,098
|
|
|
|
7.0
|
|
|
$
|
106,877
|
|
|
|
6.5
|
%
|
|
Tier 1 capital (to risk weighted assets)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated
|
|
|
278,615
|
|
|
|
16.9
|
|
|
|
98,670
|
|
|
|
6.0
|
|
|
|
139,783
|
|
|
|
8.5
|
|
|
|
N/A
|
|
|
|
N/A
|
|
|
Bank
|
|
|
270,274
|
|
|
|
16.4
|
|
|
|
98,655
|
|
|
|
6.0
|
|
|
|
139,762
|
|
|
|
8.5
|
|
|
|
131,540
|
|
|
|
8.0
|
|
|
Total capital (to risk weighted assets)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated
|
|
|
293,900
|
|
|
|
17.9
|
|
|
|
131,561
|
|
|
|
8.0
|
|
|
|
172,673
|
|
|
|
10.5
|
|
|
|
N/A
|
|
|
|
N/A
|
|
|
Bank
|
|
|
285,559
|
|
|
|
17.4
|
|
|
|
131,540
|
|
|
|
8.0
|
|
|
|
172,647
|
|
|
|
10.5
|
|
|
|
164,426
|
|
|
|
10.0
|
|
|
Tier 1 capital (to average assets)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated
|
|
|
278,615
|
|
|
|
9.7
|
|
|
|
114,589
|
|
|
|
4.0
|
|
|
|
N/A
|
|
|
|
N/A
|
|
|
|
N/A
|
|
|
|
N/A
|
|
|
Bank
|
|
|
270,274
|
|
|
|
9.4
|
|
|
|
114,582
|
|
|
|
4.0
|
|
|
|
N/A
|
|
|
|
N/A
|
|
|
|
143,227
|
|
|
|
5.0
|
|
|