SHAREHOLDERS’ EQUITY AND REGULATORY CAPITAL (Tables)

3 Months Ended

Mar. 31, 2018

The following table presents capital amounts and ratios at March 31, 2018 and December 31, 2017.



	Actual				For Capital Adequacy Purposes (includes applicable capital conservation buffer)				To Be Well Capitalized Under Prompt Corrective Action Provisions
(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
March 31, 2018
Total Capital to risk weighted assets
Consolidated	$	155,894	13.2	%	$	116,411	9.875	%	n/a		n/a
Bank	152,642		13.0	%	116,357		9.875	%	$	117,830	10.0	%
Tier 1 Capital to risk weighted assets
Consolidated	142,062		12.1	%	92,834		7.875	%	n/a		n/a
Bank	138,810		11.8	%	92,791		7.875	%	94,264		8.0	%
Common Tier 1 (CET1) to risk weighted assets
Consolidated	142,062		12.1	%	75,152		6.375	%	n/a		n/a
Bank	138,810		11.8	%	75,117		6.375	%	76,590		6.5	%
Tier 1 Capital to average assets
Consolidated	142,062		8.9	%	63,794		4.0	%	n/a		n/a
Bank	138,810		8.7	%	63,810		4.0	%	79,763		5.0	%
December 31, 2017
Total Capital to risk weighted assets
Consolidated	$	152,386	13.3	%	$	106,040	9.250	%	n/a		n/a
Bank	148,997		13.0	%	105,747		9.250	%	$	114,321	10.0	%
Tier 1 Capital to risk weighted assets
Consolidated	138,774		12.1	%	83,112		7.250	%	n/a		n/a
Bank	135,385		11.8	%	82,883		7.250	%	91,457		8.0	%
Common Tier 1 (CET1) to risk weighted assets
Consolidated	138,774		12.1	%	65,917		5.750	%	n/a		n/a
Bank	135,385		11.8	%	65,734		5.750	%	74,308		6.5	%
Tier 1 Capital to average assets
Consolidated	138,774		8.9	%	62,042		4.0	%	n/a		n/a
Bank	135,385		8.7	%	62,066		4.0	%	77,582		5.0	%