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Regulatory Requirements and Restrictions (Tables)

12 Months Ended

Dec. 31, 2021

Regulatory Requirements and Restrictions

Schedule of actual capital amounts and ratios

December 31, 2021

Minimum Capital

Well Capitalized

Actual

Requirements

Requirements

(Dollars in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio

The Corporation

Total risk-based capital ratio

$

257,779

15.8

%

$

130,817

8.0

%

$

N/A

N/A

%

Tier 1 risk-based capital ratio

213,095

13.0

98,113

6.0

N/A

N/A

Common Equity Tier 1 capital ratio

188,095

11.5

73,585

4.5

N/A

N/A

Tier 1 leverage ratio

213,095

9.7

88,121

4.0

N/A

N/A

The Bank

Total risk-based capital ratio

$

233,780

14.5

%

$

128,701

8.0

%

$

160,876

10.0

%

Tier 1 risk-based capital ratio

213,423

13.3

96,526

6.0

128,701

8.0

Common Equity Tier 1 capital ratio

213,423

13.3

72,394

4.5

104,569

6.5

Tier 1 leverage ratio

213,423

9.8

87,184

4.0

108,980

5.0


		December 31, 2020
							Minimum Capital					Well Capitalized
		Actual					Requirements					Requirements
(Dollars in thousands)		Amount			Ratio		Amount			Ratio		Amount			Ratio
The Corporation
Total risk-based capital ratio		$	240,060		15.2	%	$	125,947		8.0	%	$	N/A		N/A	%
Tier 1 risk-based capital ratio			196,140		12.5			94,460		6.0			N/A		N/A
Common Equity Tier 1 capital ratio			171,140		10.9			70,845		4.5			N/A		N/A
Tier 1 leverage ratio			196,140		9.6			81,414		4.0			N/A		N/A

The Bank
Total risk-based capital ratio		$	214,151		13.8	%	$	124,291		8.0	%	$	155,364		10.0	%
Tier 1 risk-based capital ratio			194,487		12.5			93,219		6.0			124,291		8.0
Common Equity Tier 1 capital ratio			194,487		12.5			69,914		4.5			100,987		6.5
Tier 1 leverage ratio			194,487		9.6			80,640		4.0			100,800		5.0