XML 77 R57.htm IDEA: XBRL DOCUMENT

Regulatory Capital (Tables)

12 Months Ended

Dec. 31, 2024

Regulatory Capital

Summary of company and the Bank's capital amounts and ratios

The following tables present the capital amounts and ratios for the Company, on a consolidated basis, and the Bank as of December 31, 2024 and 2023:


							Minimum Required					For Capital Adequacy					To be Well Capitalized
							For Capital Adequacy					Purposes Plus Capital					Under Prompt Corrective
		Actual					Purposes					Conservation Buffer					Action Regulations
(dollars in thousands)		Amount			Ratio		Amount			Ratio		Amount			Ratio		Amount			Ratio
December 31, 2024
Company (Consolidated):
Total Risk-based Capital		$	585,966		13.76	%	$	340,581		8.00	%	$	447,013		10.50	%		N/A		N/A
Tier 1 Risk-based Capital			453,049		10.64			255,436		6.00			361,867		8.50			N/A		N/A
Common Equity Tier 1 Capital			386,535		9.08			191,577		4.50			298,008		7.00			N/A		N/A
Tier 1 Leverage Ratio			453,049		9.44			191,878		4.00			191,878		4.00			N/A		N/A
Bank:
Total Risk-based Capital		$	573,158		13.49	%	$	340,003		8.00	%	$	446,254		10.50	%	$	425,004		10.00	%
Tier 1 Risk-based Capital			520,000		12.24			255,002		6.00			361,253		8.50			340,003		8.00
Common Equity Tier 1 Capital			520,000		12.24			191,252		4.50			297,503		7.00			276,253		6.50
Tier 1 Leverage Ratio			520,000		10.86			191,593		4.00			191,593		4.00			239,491		5.00


							Minimum Required					For Capital Adequacy					To be Well Capitalized
							For Capital Adequacy					Purposes Plus Capital					Under Prompt Corrective
		Actual					Purposes					Conservation Buffer					Action Regulations
(dollars in thousands)		Amount			Ratio		Amount			Ratio		Amount			Ratio		Amount			Ratio
December 31, 2023
Company (Consolidated):
Total Risk-based Capital		$	570,770		13.97	%	$	326,872		8.00	%	$	429,019		10.50	%		N/A		N/A
Tier 1 Risk-based Capital			440,947		10.79			245,154		6.00			347,301		8.50			N/A		N/A
Common Equity Tier 1 Capital			374,433		9.16			183,865		4.50			286,013		7.00			N/A		N/A
Tier 1 Leverage Ratio			440,947		9.57			184,383		4.00			184,383		4.00			N/A		N/A
Bank:
Total Risk-based Capital		$	554,269		13.58	%	$	326,528		8.00	%	$	428,568		10.50	%	$	408,160		10.00	%
Tier 1 Risk-based Capital			503,787		12.34			244,896		6.00			346,936		8.50			326,528		8.00
Common Equity Tier 1 Capital			503,787		12.34			183,672		4.50			285,712		7.00			265,304		6.50
Tier 1 Leverage Ratio			503,787		10.95			184,037		4.00			184,037		4.00			230,047		5.00